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
No
ID
Name
Address
Established
Service Type
Map
0
36341
Peoples Bank Of Deer Lodge
430 Main Street, Deer Lodge, MT 59722
April 09, 1987
Full Service Brick and Mortar
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