Bank of Bridger, National Association in city_name, state_name

Bank of Bridger, National Association in Bridger, Montana (MT), WY
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Bank of Bridger, National Association routing number info

Bank of Bridger, National Association - Overview

General
FDIC Certificate #: 2224
Status: Active
Federal Reserve ID: 17950
Bank Holding Company (Regulatory Top Holder): Bridger Company, The (RSSDID: 1122310, Location: Bridger, MT)
Date Established: May 01, 1906
WWW: http://www.bankofbridger.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 9 (Domestic: 9, Interstate: Yes)
OTS Docket #: 13855
FDIC's unique #: 1475
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
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: 101 South Main Street, Bridger, MT 59014
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)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $303.8 mil
Equity capital: $29.1 mil
Deposits held in domestic offices: $272.1 mil
Return on assets (ROA): 0.82% ($2.5 mil)
Quarterly return on assets: 0.93% ($2.8 mil)
Return on Equity (ROE): 8.79% ($2.5 mil)
Quarterly return on equity: 9.77% ($2.8 mil)
Net income: $2.4 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 1.05% ($3,189.9 mil)
Quarterly Pretax return on assets: 1.24% ($3,767.1 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
78Total employees (full-time equivalent)
$303,802Total assets
$8,358Cash and due from depository institutions
$3,542Interest-bearing balances
$136,589Securities
$0Federal funds sold & reverse repurchase agreements
$146,700Net loans & leases
$2,881Loan loss allowance
$0Trading account assets
$5,419Bank premises and fixed assets
$716Other real estate owned
$1,695Goodwill and other intangibles
$303,802Life insurance assets
$4,325All other assets
$274,665Total liabilities and capital
$272,095Total liabilities
$228,155Total deposits
$272,095Interest-bearing deposits
$74Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$45Trading liabilities
$0Other borrowed funds
$2,525Subordinated debt
$29,137All other liabilities
$29,137Total equity capital
$29,137Total bank equity capital
$0Perpetual preferred stock
$725Common stock
$13,050Surplus
$15,362Undivided profits
Memoranda
$0Noncurrent loans and leases
$492Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,607Income earned, not collected on loans
$0Earning assets
$2,271Long-term assets (5+ years)
$286,831Average Assets, year-to-date
$134,142Average Assets, quarterly
$286,976Volatile liabilities
$299,167Insider loans
$176,913FHLB advances
$300,558Loans and leases held for sale
$478Unused loan commitments
$0Tier 1 (core) risk-based capital
$25,585Tier 2 risk-based capital
$0Total risk weighted assets
$478Total unused commitments
$13,730Restructured Loans and leases
$798Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$12,789Total interest income
$2,348Total interest expense
$10,441Net interest income
$1,382Provision for loan and lease losses
$793Total noninterest income
$0Fiduciary activities
$501Service charges on deposit accounts
$0Trading account gains & fees
$292Additional noninterest income
$6,844Total noninterest expense
$4,379Salaries and employee benefits
$739Premises and equipment expense
$1,726Additional noninterest expense
$3,008Pre-tax net operating income
$11Securities gains (losses)
$667Applicable income taxes
$2,352Income before extraordinary items
$0Extraordinary gains - net
$2,352Net income attributable to bank
$0Net charge-offs
$2,352Cash dividends
$879Sale, conversion, retirement of capital stock, net
$561Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.77%Yield on earning assets
0.88%Cost of funding earning assets
3.89%Net interest margin
0.30%Noninterest income to earning assets
2.55%Noninterest expense to earning assets
0.82%Net operating income to assets
0.82%Return on assets (ROA)
1.05%Pretax return on assets
8.79%Return on equity (ROE)
6.70%Retained earnings to average equity (YTD only)
0.59%Net charge-offs to loans
157.22%Credit loss provision to net charge-offs
4.99%Efficiency ratio
60,922Assets per employee
3.89%Cash dividends to net income (YTD only)
Condition Ratios (%)
23.85%Loss allowance to loans
1.93%Loss allowance to noncurrent loans
79.87%Noncurrent assets plus other real estate owned to assets
1.42%Noncurrent loans to loans
2.41%Net loans and leases to deposits
53.91%Net loans and leases to core deposits
65.46%Equity capital to assets
9.59%Core capital (leverage) ratio
8.51%Tier 1 risk-based capital ratio
14.46%Total risk-based capital ratio
Memoranda
$16Average assets
$286,976Average earning assets
$26,748Average equity
$268,064Average loans

List of branches

5 Montana Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	1475	Bank Of Bridger, National Association	101 South Main Street, Bridger, MT 59014	May 01, 1906	Full Service Brick and Mortar
3	274	Harlem Branch	First Avenue, Harlem, MT 59526	June 07, 1917	Full Service Brick and Mortar
4	358259	Joliet Branch	128 East Front Street, Joliet, MT 59041	June 16, 1996	Full Service Brick and Mortar
5	425734	Red Lodge Branch	401 North Broadway, Red Lodge, MT 59068	November 03, 2003	Full Service Brick and Mortar
7	361337	Butte Branch	3525 Harrison Avenue, Butte, MT 59701	June 28, 2001	Full Service Retail

4 Wyoming Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
1	1471	Greybull Branch	601 Greybull Avenue, Greybull, WY 82426	January 01, 1907	Full Service Brick and Mortar
2	10074	Lovell Branch	179 East 3rd Street, Lovell, WY 82431	January 01, 1921	Full Service Brick and Mortar
6	442290	Powell Branch	856 Road 8, Powell, WY 82435	September 27, 2004	Full Service Brick and Mortar
8	510603	Thermopolis Branch	701 Shoshoni, Thermopolis, WY 82443	July 21, 2009	Full Service Brick and Mortar

Bank of Bridger, National Association in Bridger, Montana (MT), WY
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Bridger, National Association - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bank of Bridger, National Association in Bridger, Montana (MT), WYOverview, Financial Summary, Detailed Financial Reports, Branches

Bank of Bridger, National Association - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bank of Bridger, National Association in Bridger, Montana (MT), WY
Overview, Financial Summary, Detailed Financial Reports, Branches