FDIC Certificate #: 58282 Status: Active Federal Reserve ID: 3346633 Bank Holding Company (Regulatory Top Holder): Salish And Kootenai Bancorporation (RSSDID: 3346624, Location: Polson, MT) Date Established: July 25, 2006 WWW:http://www.eaglebankmt.com 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 #: 445290 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: July 25, 2006 Last Structure Change Effective Date: October 26, 2006 Last Structure Change Process Date: October 26, 2006 Last Data Update: October 26, 2006 Data Source Date: April 05, 2012
Location
Address: 80 Heritage Lane, Polson, MT 59860 County: Lake 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
Financial Summary
Total assets: $29.9 mil Equity capital: $2.5 mil Deposits held in domestic offices: $27.2 mil Return on assets (ROA): 0.17% ($0.1 mil) Quarterly return on assets: -0.08% (-$0.0 mil) Return on Equity (ROE): 1.92% ($0.1 mil) Quarterly return on equity: -0.95% (-$0.0 mil) Net income: $0.0 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.17% ($50.9 mil) Quarterly Pretax return on assets: -0.08% (-$23.9 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
12Total employees (full-time equivalent)
$29,926Total assets
$8,784Cash and due from depository institutions
$7,662Interest-bearing balances
$8,272Securities
$100Federal funds sold & reverse repurchase agreements
$11,336Net loans & leases
$178Loan loss allowance
$0Trading account assets
$993Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$29,926Life insurance assets
$441All other assets
$27,416Total liabilities and capital
$27,217Total liabilities
$20,022Total deposits
$27,217Interest-bearing deposits
$74Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$199Subordinated debt
$2,510All other liabilities
$2,510Total equity capital
$2,510Total bank equity capital
$0Perpetual preferred stock
$1,500Common stock
$1,250Surplus
$-240Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$199Income earned, not collected on loans
$0Earning assets
$79Long-term assets (5+ years)
$27,370Average Assets, year-to-date
$1,513Average Assets, quarterly
$27,733Volatile liabilities
$29,317Insider loans
$14,095FHLB advances
$28,461Loans and leases held for sale
$259Unused loan commitments
$259Tier 1 (core) risk-based capital
$2,517Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$452Restructured Loans and leases
$630Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,083Total interest income
$97Total interest expense
$986Net interest income
$64Provision for loan and lease losses
$324Total noninterest income
$0Fiduciary activities
$68Service charges on deposit accounts
$0Trading account gains & fees
$256Additional noninterest income
$1,198Total noninterest expense
$597Salaries and employee benefits
$119Premises and equipment expense
$482Additional noninterest expense
$48Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$48Income before extraordinary items
$0Extraordinary gains - net
$48Net income attributable to bank
$0Net charge-offs
$48Cash dividends
$55Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.38%Yield on earning assets
0.39%Cost of funding earning assets
3.99%Net interest margin
1.31%Noninterest income to earning assets
4.84%Noninterest expense to earning assets
0.17%Net operating income to assets
0.17%Return on assets (ROA)
0.17%Pretax return on assets
1.92%Return on equity (ROE)
1.92%Retained earnings to average equity (YTD only)
0.47%Net charge-offs to loans
116.36%Credit loss provision to net charge-offs
2.04%Efficiency ratio
91,450Assets per employee
2.49%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.55%Loss allowance to noncurrent loans
89.45%Noncurrent assets plus other real estate owned to assets
0.66%Noncurrent loans to loans
1.73%Net loans and leases to deposits
41.65%Net loans and leases to core deposits
43.70%Equity capital to assets
8.39%Core capital (leverage) ratio
8.84%Tier 1 risk-based capital ratio
17.86%Total risk-based capital ratio
Memoranda
$19Average assets
$27,733Average earning assets
$2,499Average equity
$24,729Average loans
List of branches
1 Montana Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
445290
Eagle Bank
80 Heritage Lane, Polson, MT 59860
July 25, 2006
Full Service Brick and Mortar
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