Bank of Idaho in Idaho Falls, Idaho (ID)



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Bank of Idaho
GeneralFDIC Certificate #: 26403
Status: Active
Federal Reserve ID: 300960
Bank Holding Company (Regulatory Top Holder): Bank Of Idaho Holding Co. (RSSDID: 2561671, Location: Idaho Falls, ID)
Date Established: September 25, 1985
WWW: http://www.bankofidaho.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 7 (Domestic: 7, Interstate: No)
OTS Docket #: 9739
FDIC's unique #: 33012
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: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: September 25, 1985
Last Structure Change Effective Date: October 06, 2010
Last Structure Change Process Date: October 06, 2010
Last Data Update: October 06, 2010
Data Source Date: April 05, 2012
LocationAddress: 151 N. Ridge Avenue, Idaho Falls, ID 83402
County: Bonneville
Quarterly Banking Profile Region: San Francisco
FDIC Geographic Region: San Francisco
FDIC Supervisory Region: San Francisco
FDIC Field Office: Salt Lake City
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Combined Statistical Area (CSA): Idaho Falls-Blackfoot, ID (#292)
Core Based Statistical Area (CBSA): Idaho Falls, ID (#26820)
CBSA Metro Statistical Area: Idaho Falls, ID (#26820)
History of ChangesChange in Location
Financial SummaryTotal assets: $233.2 mil
Equity capital: $15.6 mil
Deposits held in domestic offices: $211.9 mil
Return on assets (ROA): -0.20% (-$0.5 mil)
Quarterly return on assets: 0.52% ($1.2 mil)
Return on Equity (ROE): -2.85% (-$0.5 mil)
Quarterly return on equity: 7.61% ($1.2 mil)
Net income: -$0.5 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: -0.21% (-$489.8 mil)
Quarterly Pretax return on assets: 0.49% ($1,142.8 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)
Total employees (full-time equivalent)110
Total assets$233,219
Cash and due from depository institutions$20,552
Interest-bearing balances$13,648
Securities$47,625
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$151,895
Loan loss allowance $4,000
Trading account assets$0
Bank premises and fixed assets$4,786
Other real estate owned$5,598
Goodwill and other intangibles$0
All other assets$2,763
Life insurance assets$233,219
Total liabilities and capital$217,614
Total liabilities$211,872
Total deposits$144,816
Interest-bearing deposits$211,872
Deposits held in domestic offices$92
% insured (estimated)3209.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $2,533
All other liabilities $15,605
Total equity capital$15,605
Total bank equity capital$15,605
Perpetual preferred stock$0
Common stock$1,402
Surplus$9,981
Undivided profits $4,222
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $11,389
Income earned, not collected on loans $6,299
Earning assets $1,091
Long-term assets (5+ years) $1,092
Average Assets, year-to-date $213,168
Average Assets, quarterly $50,077
Volatile liabilities $229,443
Insider loans $228,209
FHLB advances $160,327
Loans and leases held for sale $227,292
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $15,377
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $32,091
Derivatives$2,648
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,980
Total interest expense $735
Net interest income $10,245
Provision for loan and lease losses $1,558
Total noninterest income $3,935
Fiduciary activities $799
Service charges on deposit accounts $526
Trading account gains & fees $0
Additional noninterest income $2,610
Total noninterest expense $13,181
Salaries and employee benefits $7,357
Premises and equipment expense $1,602
Additional noninterest expense $4,222
Pre-tax net operating income -$559
Securities gains (losses) $83
Applicable income taxes -$19
Income before extraordinary items -$457
Extraordinary gains - net $0
Net income attributable to bank -$457
Net charge-offs $0
Cash dividends -$457
Sale, conversion, retirement of capital stock, net $4,616
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.22%
Cost of funding earning assets 0.35%
Net interest margin 4.87%
Noninterest income to earning assets 1.87%
Noninterest expense to earning assets 6.26%
Net operating income to assets -0.23%
Return on assets (ROA) -0.20%
Pretax return on assets -0.21%
Return on equity (ROE) -2.85%
Retained earnings to average equity (YTD only) -2.85%
Net charge-offs to loans 2.82%
Credit loss provision to net charge-offs 33.75%
Efficiency ratio0.22%
Assets per employee$92,955
Cash dividends to net income (YTD only)2.12%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.57%
Noncurrent assets plus other real estate owned to assets 63.50%
Noncurrent loans to loans 5.10%
Net loans and leases to deposits4.04%
Net loans and leases to core deposits 71.69%
Equity capital to assets 72.43%
Core capital (leverage) ratio 6.69%
Tier 1 risk-based capital ratio 6.77%
Total risk-based capital ratio 9.59%
Memoranda
Average assets$11
Average earning assets$229,443
Average equity $16,026
Average loans $210,421
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$175,564
Number of Accounts1
Personal trust and agency accounts$81,625
Employee benefit-defined contribution accounts$34,175
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$13,091
Investment management agency accounts$0
Other fiduciary accounts$34,357
Fiduciary accounts held in foreign offices$2
Non-managed Assets$0
Number of Accounts629
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$13,091
Employee benefit-defined benefit accounts$0
Other retirement accounts$93,939
Corporate trust and agency accounts$43,424
Other fiduciary accounts$9,471
Fiduciary accounts held in foreign offices$41,044
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7 Idaho Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
033012Bank Of Idaho151 N. Ridge Avenue, Idaho Falls, ID 83402September 25, 1985Full Service Brick and Mortar
2259365Idaho Falls Branch1800 Channing Way, Idaho Falls, ID 83403August 06, 1990Full Service Brick and Mortar
4259367Main Street Branch600 Main Street, Ashton, ID 83420Febuary 18, 1997Full Service Brick and Mortar
5259368Island Park Branch3976 Us Hwy 20, Island Park, ID 83429July 27, 1998Full Service Brick and Mortar
6259369St. Anthony Branch135 N. Bridge Street, Saint Anthony, ID 83445November 18, 1998Full Service Brick and Mortar
12432615Yellowstone Branch1230 Yellowstone Avenue, Pocatello, ID 83201September 11, 2004Full Service Brick and Mortar
13457911Turscany Hills Branch2300 Via Caporatti Drive, Pocatello, ID 83201January 11, 2007Full Service Brick and Mortar
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