The United States National Bank of Red Lodge in Red Lodge, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 27, 2003

  • The United States National Bank of Red Lodge in Red Lodge, Montana (MT)
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The United States National Bank of Red Lodge - Overview

  • General
  • FDIC Certificate #: 2200
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Interstate Bank (#1105)
    Federal Reserve ID: 654458
    Date Established: September 10, 1910
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    OTS Docket #: 13620
    FDIC's unique #: 1457
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 27, 2003
    Last Structure Change Process Date: March 25, 2003
    Last Data Update: March 25, 2003
    Data Source Date: April 05, 2012
  • Location
  • Address: 602 North Broadway, Red Lodge, MT 59068
    County: Carbon
    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
    Core Based Statistical Area (CBSA): Billings, MT (#13740)
    CBSA Metro Statistical Area: Billings, MT (#13740)
  • Financial Summary
  • Total assets: $51.6 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, 2002)

  • Dollar figures in thousands
  • 17Total employees (full-time equivalent)
  • $51,566Total assets
  • $3,365Cash and due from depository institutions
  • $1,093Interest-bearing balances
  • $4,269Securities
  • $5,800Federal funds sold & reverse repurchase agreements
  • $35,297Net loans & leases
  • $385Loan loss allowance
  • $0Trading account assets
  • $1,830Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,005All other assets
  • $51,566Total liabilities and capital
  • $47,011Total liabilities
  • $41,640Total deposits
  • $31,637Interest-bearing deposits
  • $41,640Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $5,000Other borrowed funds
  • $0Subordinated debt
  • $371All other liabilities
  • $4,555Total equity capital
  • $4,555Total bank equity capital
  • $4,555Perpetual preferred stock
  • $0Common stock
  • $360Surplus
  • $360Undivided profits
  • Memoranda
  • $3,835Noncurrent loans and leases
  • $2,311Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $156Earning assets
  • $0Long-term assets (5+ years)
  • $459Average Assets, year-to-date
  • $46,459Average Assets, quarterly
  • $2,538Volatile liabilities
  • $46,700Insider loans
  • $50,438FHLB advances
  • $11,715Loans and leases held for sale
  • $56Unused loan commitments
  • $5,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,311Total unused commitments
  • $0Restructured Loans and leases
  • $385Derivatives

Income and Expense (December 31, 2002)

  • Dollar figures in thousands
  • $3,237Total interest income
  • $939Total interest expense
  • $2,298Net interest income
  • $8Provision for loan and lease losses
  • $225Total noninterest income
  • $0Fiduciary activities
  • $111Service charges on deposit accounts
  • $0Trading account gains & fees
  • $114Additional noninterest income
  • $1,443Total noninterest expense
  • $815Salaries and employee benefits
  • $201Premises and equipment expense
  • $427Additional noninterest expense
  • $1,072Pre-tax net operating income
  • $15Securities gains (losses)
  • $377Applicable income taxes
  • $710Income before extraordinary items
  • $0Extraordinary gains - net
  • $710Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $72Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2002)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.72%Yield on earning assets
  • 2.24%Cost of funding earning assets
  • 5.48%Net interest margin
  • 0.54%Noninterest income to earning assets
  • 3.44%Noninterest expense to earning assets
  • 1.50%Net operating income to assets
  • 1.52%Return on assets (ROA)
  • 2.33%Pretax return on assets
  • 16.79%Return on equity (ROE)
  • 16.79%Retained earnings to average equity (YTD only)
  • 0.22%Net charge-offs to loans
  • 11.11%Credit loss provision to net charge-offs
  • 15.00%Efficiency ratio
  • 57,194Assets per employee
  • 3.03%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.08%Loss allowance to noncurrent loans
  • 246.79%Noncurrent assets plus other real estate owned to assets
  • 0.30%Noncurrent loans to loans
  • 0.44%Net loans and leases to deposits
  • 84.77%Net loans and leases to core deposits
  • 107.20%Equity capital to assets
  • 8.83%Core capital (leverage) ratio
  • 8.69%Tier 1 risk-based capital ratio
  • 12.11%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $46,700Average earning assets
  • $4,229Average equity
  • $41,911Average loans

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