Peoples Bank of Deer Lodge in Deer Lodge, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches


Peoples Bank of Deer Lodge - Overview

  • General
  • FDIC Certificate #: 26941
    Status: Active
    Federal Reserve ID: 639857
    Bank Holding Company (Regulatory Top Holder): Sandquist Corp. (RSSDID: 1144077, Location: Deer Lodge, MT)
    Date Established: April 09, 1987
    WWW: http://www.pbdl.net
    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 #: 36341
    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: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: April 09, 1987
    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: 430 Main Street, Deer Lodge, MT 59722
    County: Powell
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $26.6 mil
    Equity capital: $2.9 mil
    Deposits held in domestic offices: $23.5 mil
    Return on assets (ROA): 0.61% ($0.2 mil)
    Quarterly return on assets: 0.51% ($0.1 mil)
    Return on Equity (ROE): 6.28% ($0.2 mil)
    Quarterly return on equity: 4.58% ($0.1 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.86% ($228.9 mil)
    Quarterly Pretax return on assets: 0.79% ($210.3 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
  • 10Total employees (full-time equivalent)
  • $26,622Total assets
  • $4,844Cash and due from depository institutions
  • $100Interest-bearing balances
  • $7,735Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $13,181Net loans & leases
  • $244Loan loss allowance
  • $0Trading account assets
  • $189Bank premises and fixed assets
  • $177Other real estate owned
  • $0Goodwill and other intangibles
  • $26,623Life insurance assets
  • $496All other assets
  • $23,741Total liabilities and capital
  • $23,521Total liabilities
  • $14,528Total deposits
  • $23,521Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $220Subordinated debt
  • $2,882All other liabilities
  • $2,882Total equity capital
  • $2,882Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $1,475Surplus
  • $807Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $248Income earned, not collected on loans
  • $0Earning assets
  • $252Long-term assets (5+ years)
  • $21,016Average Assets, year-to-date
  • $10,857Average Assets, quarterly
  • $28,384Volatile liabilities
  • $25,929Insider loans
  • $13,985FHLB advances
  • $25,916Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,654Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,188Restructured Loans and leases
  • $583Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,161Total interest income
  • $116Total interest expense
  • $1,045Net interest income
  • $14Provision for loan and lease losses
  • $155Total noninterest income
  • $0Fiduciary activities
  • $71Service charges on deposit accounts
  • $0Trading account gains & fees
  • $84Additional noninterest income
  • $988Total noninterest expense
  • $483Salaries and employee benefits
  • $173Premises and equipment expense
  • $332Additional noninterest expense
  • $198Pre-tax net operating income
  • $46Securities gains (losses)
  • $70Applicable income taxes
  • $174Income before extraordinary items
  • $0Extraordinary gains - net
  • $174Net income attributable to bank
  • $0Net charge-offs
  • $174Cash dividends
  • -$7Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.92%Yield on earning assets
  • 0.49%Cost of funding earning assets
  • 4.43%Net interest margin
  • 0.66%Noninterest income to earning assets
  • 4.19%Noninterest expense to earning assets
  • 0.50%Net operating income to assets
  • 0.61%Return on assets (ROA)
  • 0.86%Pretax return on assets
  • 6.28%Return on equity (ROE)
  • 6.28%Retained earnings to average equity (YTD only)
  • -0.05%Net charge-offs to loans
  • -200.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 82,333Assets per employee
  • 2.66%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.82%Loss allowance to noncurrent loans
  • 98.39%Noncurrent assets plus other real estate owned to assets
  • 1.60%Noncurrent loans to loans
  • 1.85%Net loans and leases to deposits
  • 56.04%Net loans and leases to core deposits
  • 56.76%Equity capital to assets
  • 10.83%Core capital (leverage) ratio
  • 10.24%Tier 1 risk-based capital ratio
  • 18.98%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $28,384Average earning assets
  • $2,769Average equity
  • $23,583Average loans

List of branches

  • 1 Montana Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    036341Peoples Bank Of Deer Lodge430 Main Street, Deer Lodge, MT 59722April 09, 1987Full Service Brick and Mortar

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

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Peoples Bank of Deer Lodge.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents