Pioneer Federal Savings and Loan Association in Deer Lodge, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Pioneer Federal Savings and Loan Association in Deer Lodge, Montana (MT)
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Pioneer Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 29517
    Status: Active
    Federal Reserve ID: 445674
    Date Established: January 01, 1912
    WWW: http://www.pioneerfed.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 3583
    FDIC's unique #: 42351
    Numeric code: 38
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: December 28, 1935
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 401 Milwaukee Ave, 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
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $89.3 mil
    Equity capital: $13.0 mil
    Deposits held in domestic offices: $75.8 mil
    Return on assets (ROA): 0.61% ($0.5 mil)
    Quarterly return on assets: 0.53% ($0.5 mil)
    Return on Equity (ROE): 4.27% ($0.6 mil)
    Quarterly return on equity: 3.68% ($0.5 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.94% ($839.8 mil)
    Quarterly Pretax return on assets: 0.80% ($714.8 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
  • 18Total employees (full-time equivalent)
  • $89,345Total assets
  • $3,716Cash and due from depository institutions
  • $2,282Interest-bearing balances
  • $10,938Securities
  • $2,705Federal funds sold & reverse repurchase agreements
  • $68,562Net loans & leases
  • $1,060Loan loss allowance
  • $0Trading account assets
  • $955Bank premises and fixed assets
  • $515Other real estate owned
  • $0Goodwill and other intangibles
  • $89,345Life insurance assets
  • $1,954All other assets
  • $76,356Total liabilities and capital
  • $75,801Total liabilities
  • $73,887Total deposits
  • $75,801Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $555Subordinated debt
  • $12,989All other liabilities
  • $12,989Total equity capital
  • $12,989Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $12,989Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $884Income earned, not collected on loans
  • $0Earning assets
  • $277Long-term assets (5+ years)
  • $84,487Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $88,763Volatile liabilities
  • $89,454Insider loans
  • $43,694FHLB advances
  • $89,339Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,983Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,334Restructured Loans and leases
  • $60Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,140Total interest income
  • $906Total interest expense
  • $3,234Net interest income
  • $387Provision for loan and lease losses
  • $147Total noninterest income
  • $0Fiduciary activities
  • $87Service charges on deposit accounts
  • $0Trading account gains & fees
  • $60Additional noninterest income
  • $2,162Total noninterest expense
  • $1,359Salaries and employee benefits
  • $331Premises and equipment expense
  • $472Additional noninterest expense
  • $832Pre-tax net operating income
  • $0Securities gains (losses)
  • $288Applicable income taxes
  • $544Income before extraordinary items
  • $0Extraordinary gains - net
  • $544Net income attributable to bank
  • $0Net charge-offs
  • $544Cash dividends
  • $422Sale, 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
  • 1.08%Cost of funding earning assets
  • 3.84%Net interest margin
  • 0.17%Noninterest income to earning assets
  • 2.57%Noninterest expense to earning assets
  • 0.61%Net operating income to assets
  • 0.61%Return on assets (ROA)
  • 0.94%Pretax return on assets
  • 4.27%Return on equity (ROE)
  • 4.27%Retained earnings to average equity (YTD only)
  • 0.59%Net charge-offs to loans
  • 91.71%Credit loss provision to net charge-offs
  • 2.89%Efficiency ratio
  • 63,946Assets per employee
  • 4.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.52%Loss allowance to noncurrent loans
  • 119.91%Noncurrent assets plus other real estate owned to assets
  • 1.57%Noncurrent loans to loans
  • 1.27%Net loans and leases to deposits
  • 90.45%Net loans and leases to core deposits
  • 99.29%Equity capital to assets
  • 14.54%Core capital (leverage) ratio
  • 14.53%Tier 1 risk-based capital ratio
  • 29.71%Total risk-based capital ratio
  • Memoranda
  • $31Average assets
  • $88,763Average earning assets
  • $12,733Average equity
  • $84,167Average loans

List of branches

  • 2 Montana Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    042351Pioneer Federal Savings And Loan Ass401 Milwaukee Ave, Deer Lodge, MT 59722January 01, 1912Full Service Brick and Mortar
    100275298102 N Washington Branch32 North Washington, Dillon, MT 59725January 01, 1912Full Service Brick and Mortar

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