The Bank of Baker in Baker, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Bank of Baker - Overview

  • General
  • FDIC Certificate #: 352
    Status: Active
    Federal Reserve ID: 222558
    Bank Holding Company (Regulatory Top Holder): United Bancorporation (RSSDID: 1128264, Location: Baker, MT)
    Date Established: September 20, 1924
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 278
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 116 S Main Street, Baker, MT 59313
    County: Fallon
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Billings
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $128.6 mil
    Equity capital: $11.0 mil
    Deposits held in domestic offices: $117.2 mil
    Return on assets (ROA): 2.30% ($3.0 mil)
    Quarterly return on assets: 1.74% ($2.2 mil)
    Return on Equity (ROE): 26.91% ($3.0 mil)
    Quarterly return on equity: 20.37% ($2.2 mil)
    Net income: $2.7 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 2.30% ($2,958.7 mil)
    Quarterly Pretax return on assets: 1.74% ($2,238.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 20Total employees (full-time equivalent)
  • $128,638Total assets
  • $16,334Cash and due from depository institutions
  • $12,619Interest-bearing balances
  • $29,685Securities
  • $6,025Federal funds sold & reverse repurchase agreements
  • $74,273Net loans & leases
  • $1,138Loan loss allowance
  • $0Trading account assets
  • $689Bank premises and fixed assets
  • $325Other real estate owned
  • $0Goodwill and other intangibles
  • $128,638Life insurance assets
  • $1,307All other assets
  • $117,635Total liabilities and capital
  • $117,214Total liabilities
  • $109,855Total deposits
  • $117,214Interest-bearing deposits
  • $56Deposits held in domestic offices
  • 387.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $34Subordinated debt
  • $11,003All other liabilities
  • $11,003Total equity capital
  • $11,003Total bank equity capital
  • $0Perpetual preferred stock
  • $1,398Common stock
  • $6,602Surplus
  • $3,003Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $863Income earned, not collected on loans
  • $0Earning assets
  • $939Long-term assets (5+ years)
  • $122,602Average Assets, year-to-date
  • $3,892Average Assets, quarterly
  • $118,896Volatile liabilities
  • $125,228Insider loans
  • $84,268FHLB advances
  • $126,070Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,749Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,710Restructured Loans and leases
  • $1,867Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,857Total interest income
  • $281Total interest expense
  • $4,576Net interest income
  • $120Provision for loan and lease losses
  • $215Total noninterest income
  • $0Fiduciary activities
  • $118Service charges on deposit accounts
  • $0Trading account gains & fees
  • $97Additional noninterest income
  • $1,935Total noninterest expense
  • $1,137Salaries and employee benefits
  • $129Premises and equipment expense
  • $669Additional noninterest expense
  • $2,736Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $2,736Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,736Net income attributable to bank
  • $0Net charge-offs
  • $2,736Cash dividends
  • $257Sale, conversion, retirement of capital stock, net
  • $1,265Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.29%Yield on earning assets
  • 0.25%Cost of funding earning assets
  • 4.04%Net interest margin
  • 0.19%Noninterest income to earning assets
  • 1.71%Noninterest expense to earning assets
  • 2.30%Net operating income to assets
  • 2.30%Return on assets (ROA)
  • 2.30%Pretax return on assets
  • 26.91%Return on equity (ROE)
  • 14.47%Retained earnings to average equity (YTD only)
  • 0.37%Net charge-offs to loans
  • 46.69%Credit loss provision to net charge-offs
  • 11.11%Efficiency ratio
  • 40,388Assets per employee
  • 6.43%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 46.24%Loss allowance to loans
  • 1.51%Loss allowance to noncurrent loans
  • 131.87%Noncurrent assets plus other real estate owned to assets
  • 0.92%Noncurrent loans to loans
  • 1.14%Net loans and leases to deposits
  • 63.37%Net loans and leases to core deposits
  • 63.53%Equity capital to assets
  • 8.55%Core capital (leverage) ratio
  • 8.53%Tier 1 risk-based capital ratio
  • 12.76%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $118,896Average earning assets
  • $10,168Average equity
  • $113,330Average loans

List of branches

  • 1 Montana Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0278The Bank Of Baker116 S Main Street, Baker, MT 59313September 20, 1924Full Service Brick and Mortar

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