Bank of America Idaho, National Association in Spokane, Washington (WA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 01, 1996

  • Bank of America Idaho, National Association in Spokane, Washington (WA)
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Bank of America Idaho, National Association - Overview

  • General
  • FDIC Certificate #: 28163
    Status: Inactive
    Closing history: Change in Location
    Acquiring institution: Bank of America NW, National Association (#2970)
    Federal Reserve ID: 1856231
    Date Established: January 01, 1916
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 21 (Interstate: No)
    OTS Docket #: 1027
    FDIC's unique #: 40997
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    SAIF Insured: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: December 08, 1934
    Last Structure Change Effective Date: March 01, 1996
    Last Structure Change Process Date: April 05, 1996
    Last Data Update: April 05, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: North 2716 Argonne Road, Spokane, WA 99212
    County: Spokane
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Seattle
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Spokane, WA (#7840)
    Core Based Statistical Area (CBSA): Spokane, WA (#44060)
    CBSA Metro Statistical Area: Spokane, WA (#44060)
  • History of Changes
  • Merger - Without Assistance
    Change NONGEOFLDOFF from Default
    Change in Location
  • Financial Summary
  • Total assets: $446.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $186Total assets
  • $446,448Cash and due from depository institutions
  • $10,061Interest-bearing balances
  • $0Securities
  • $8,412Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $392,374Loan loss allowance
  • $6,160Trading account assets
  • $46Bank premises and fixed assets
  • $13,944Other real estate owned
  • $303Goodwill and other intangibles
  • $5,870Life insurance assets
  • $15,438All other assets
  • $0Total liabilities and capital
  • $446,448Total liabilities
  • $385,184Total deposits
  • $375,539Interest-bearing deposits
  • $296,320Deposits held in domestic offices
  • 375539.00%% insured (estimated)
  • $86Federal funds purchased & repurchase agreements
  • $1,500Trading liabilities
  • $46Other borrowed funds
  • $1,204Subordinated debt
  • $0All other liabilities
  • $6,895Total equity capital
  • $6,895Total bank equity capital
  • $61,264Perpetual preferred stock
  • $0Common stock
  • $8,338Surplus
  • $51,489Undivided profits
  • Memoranda
  • $1,437Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,859Income earned, not collected on loans
  • $2,561Earning assets
  • $400,832Long-term assets (5+ years)
  • $47,319Average Assets, year-to-date
  • $442,950Average Assets, quarterly
  • $449,420Volatile liabilities
  • $20,148Insider loans
  • $4,932FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $91,914Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $48,714Total risk weighted assets
  • $340,796Total unused commitments
  • $0Restructured Loans and leases
  • $437,667Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $34,232Total interest expense
  • $13,562Net interest income
  • $20,670Provision for loan and lease losses
  • $1,270Total noninterest income
  • $4,958Fiduciary activities
  • $0Service charges on deposit accounts
  • $3,727Trading account gains & fees
  • $17Additional noninterest income
  • $1,214Total noninterest expense
  • $20,102Salaries and employee benefits
  • $7,097Premises and equipment expense
  • $2,728Additional noninterest expense
  • $10,277Pre-tax net operating income
  • $4,256Securities gains (losses)
  • $0Applicable income taxes
  • $1,840Income before extraordinary items
  • $2,416Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,416Net charge-offs
  • $620Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.63%Cost of funding earning assets
  • 3.42%Net interest margin
  • 5.21%Noninterest income to earning assets
  • 1.25%Noninterest expense to earning assets
  • 5.07%Net operating income to assets
  • 0.55%Return on assets (ROA)
  • 0.55%Pretax return on assets
  • 0.96%Return on equity (ROE)
  • 4.02%Retained earnings to average equity (YTD only)
  • 4.02%Net charge-offs to loans
  • 0.16%Credit loss provision to net charge-offs
  • 204.84%Efficiency ratio
  • 69,838Assets per employee
  • 2.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.55%Loss allowance to noncurrent loans
  • 331.36%Noncurrent assets plus other real estate owned to assets
  • 0.48%Noncurrent loans to loans
  • 0.47%Net loans and leases to deposits
  • 104.48%Net loans and leases to core deposits
  • 109.93%Equity capital to assets
  • 13.72%Core capital (leverage) ratio
  • 11.17%Tier 1 risk-based capital ratio
  • 14.29%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $442,950Average earning assets
  • $60,036Average equity
  • $396,489Average loans

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