Bank of Idaho in Idaho Falls, Idaho (ID)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Idaho - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Change in Location
  • Financial Summary
  • Total 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
  • 110Total employees (full-time equivalent)
  • $233,219Total assets
  • $20,552Cash and due from depository institutions
  • $13,648Interest-bearing balances
  • $47,625Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $151,895Net loans & leases
  • $4,000Loan loss allowance
  • $0Trading account assets
  • $4,786Bank premises and fixed assets
  • $5,598Other real estate owned
  • $0Goodwill and other intangibles
  • $233,219Life insurance assets
  • $2,763All other assets
  • $217,614Total liabilities and capital
  • $211,872Total liabilities
  • $144,816Total deposits
  • $211,872Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 3209.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,533Subordinated debt
  • $15,605All other liabilities
  • $15,605Total equity capital
  • $15,605Total bank equity capital
  • $0Perpetual preferred stock
  • $1,402Common stock
  • $9,981Surplus
  • $4,222Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $11,389Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,299Income earned, not collected on loans
  • $1,091Earning assets
  • $1,092Long-term assets (5+ years)
  • $213,168Average Assets, year-to-date
  • $50,077Average Assets, quarterly
  • $229,443Volatile liabilities
  • $228,209Insider loans
  • $160,327FHLB advances
  • $227,292Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $15,377Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $32,091Restructured Loans and leases
  • $2,648Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,980Total interest income
  • $735Total interest expense
  • $10,245Net interest income
  • $1,558Provision for loan and lease losses
  • $3,935Total noninterest income
  • $799Fiduciary activities
  • $526Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,610Additional noninterest income
  • $13,181Total noninterest expense
  • $7,357Salaries and employee benefits
  • $1,602Premises and equipment expense
  • $4,222Additional noninterest expense
  • -$559Pre-tax net operating income
  • $83Securities gains (losses)
  • -$19Applicable income taxes
  • -$457Income before extraordinary items
  • $0Extraordinary gains - net
  • -$457Net income attributable to bank
  • $0Net charge-offs
  • -$457Cash dividends
  • $4,616Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.22%Yield on earning assets
  • 0.35%Cost of funding earning assets
  • 4.87%Net interest margin
  • 1.87%Noninterest income to earning assets
  • 6.26%Noninterest expense to earning assets
  • -0.23%Net operating income to assets
  • -0.20%Return on assets (ROA)
  • -0.21%Pretax return on assets
  • -2.85%Return on equity (ROE)
  • -2.85%Retained earnings to average equity (YTD only)
  • 2.82%Net charge-offs to loans
  • 33.75%Credit loss provision to net charge-offs
  • 0.22%Efficiency ratio
  • 92,955Assets per employee
  • 2.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.57%Loss allowance to noncurrent loans
  • 63.50%Noncurrent assets plus other real estate owned to assets
  • 5.10%Noncurrent loans to loans
  • 4.04%Net loans and leases to deposits
  • 71.69%Net loans and leases to core deposits
  • 72.43%Equity capital to assets
  • 6.69%Core capital (leverage) ratio
  • 6.77%Tier 1 risk-based capital ratio
  • 9.59%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $229,443Average earning assets
  • $16,026Average equity
  • $210,421Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $175,564Managed Assets
  • 1Number of Accounts
  • $81,625Personal trust and agency accounts
  • $34,175Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $13,091Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $34,357Other fiduciary accounts
  • $2Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 629Number of Accounts
  • $0Personal trust and agency accounts
  • $13,091Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $93,939Other retirement accounts
  • $43,424Corporate trust and agency accounts
  • $9,471Other fiduciary accounts
  • $41,044Fiduciary accounts held in foreign offices

List of branches

  • 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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