Bank of Idaho in Idaho Falls, Idaho (ID)
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| Bank of Idaho | |
|---|---|
| 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 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 |
| 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) |
| 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 |
| 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 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.22% |
| 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 ratio | 0.22% |
| 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 deposits | 4.04% |
| 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 |
| 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 Accounts | 1 |
| Fiduciary powers granted | Yes |
| Fiduciary or related activity | Yes |
| Managed Assets | $175,564 |
| Number of Accounts | 1 |
| 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 Accounts | 629 |
| 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 |
| 7 Idaho Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 33012 | Bank Of Idaho | 151 N. Ridge Avenue, Idaho Falls, ID 83402 | September 25, 1985 | Full Service Brick and Mortar |  |
| 2 | 259365 | Idaho Falls Branch | 1800 Channing Way, Idaho Falls, ID 83403 | August 06, 1990 | Full Service Brick and Mortar |  |
| 4 | 259367 | Main Street Branch | 600 Main Street, Ashton, ID 83420 | Febuary 18, 1997 | Full Service Brick and Mortar | |
| 5 | 259368 | Island Park Branch | 3976 Us Hwy 20, Island Park, ID 83429 | July 27, 1998 | Full Service Brick and Mortar | |
| 6 | 259369 | St. Anthony Branch | 135 N. Bridge Street, Saint Anthony, ID 83445 | November 18, 1998 | Full Service Brick and Mortar | |
| 12 | 432615 | Yellowstone Branch | 1230 Yellowstone Avenue, Pocatello, ID 83201 | September 11, 2004 | Full Service Brick and Mortar | |
| 13 | 457911 | Turscany Hills Branch | 2300 Via Caporatti Drive, Pocatello, ID 83201 | January 11, 2007 | Full Service Brick and Mortar | |
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