Citizens Community Bank in Pocatello, Idaho (ID)

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Citizens Community Bank
GeneralFDIC Certificate #: 34459
Status: Active
Federal Reserve ID: 2583721
Bank Holding Company (Regulatory Top Holder): Glacier Bancorp, Inc. (RSSDID: 2003975, Location: Kalispell, MT)
Date Established: June 16, 1997
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 14703
FDIC's unique #: 57223
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: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: June 16, 1997
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 280 South Arthur Avenue, Pocatello, ID 83204
County: Bannock
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
Metropolitan Statistical Area (MSA): Pocatello, ID (#6340)
Core Based Statistical Area (CBSA): Pocatello, ID (#38540)
CBSA Metro Statistical Area: Pocatello, ID (#38540)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $361.1 mil
Equity capital: $38.1 mil
Deposits held in domestic offices: $238.3 mil
Return on assets (ROA): 1.15% ($4.2 mil)
Quarterly return on assets: 1.38% ($5.0 mil)
Return on Equity (ROE): 10.37% ($3.9 mil)
Quarterly return on equity: 12.85% ($4.9 mil)
Net income: $3.7 mil
Quarterly Net income: $1.2 mil
Pretax return on assets: 1.68% ($6,067.3 mil)
Quarterly Pretax return on assets: 2.01% ($7,259.1 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)70
Total assets$361,150
Cash and due from depository institutions$3,502
Interest-bearing balances$11
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$161,452
Loan loss allowance $5,325
Trading account assets$0
Bank premises and fixed assets$6,627
Other real estate owned$1,692
Goodwill and other intangibles$9,677
All other assets$7,823
Life insurance assets$361,150
Total liabilities and capital$323,091
Total liabilities$238,314
Total deposits$193,078
Interest-bearing deposits$238,314
Deposits held in domestic offices$97
% insured (estimated)35352.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$48,000
Other borrowed funds $0
Subordinated debt $1,425
All other liabilities $38,059
Total equity capital$38,059
Total bank equity capital$38,059
Perpetual preferred stock$0
Common stock$2,193
Undivided profits $16,601
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $11,634
Income earned, not collected on loans $3,126
Earning assets $0
Long-term assets (5+ years) $1,858
Average Assets, year-to-date $331,840
Average Assets, quarterly $106,004
Volatile liabilities $325,766
Insider loans $352,967
FHLB advances $209,538
Loans and leases held for sale $344,564
Unused loan commitments $2,407
Tier 1 (core) risk-based capital $2,407
Tier 2 risk-based capital $26,358
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $29,293
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $13,849
Total interest expense $2,163
Net interest income $11,686
Provision for loan and lease losses $1,300
Total noninterest income $3,719
Fiduciary activities $0
Service charges on deposit accounts $1,020
Trading account gains & fees $0
Additional noninterest income $2,699
Total noninterest expense $8,015
Salaries and employee benefits $4,306
Premises and equipment expense $727
Additional noninterest expense $2,982
Pre-tax net operating income $6,090
Securities gains (losses) -$630
Applicable income taxes $1,716
Income before extraordinary items $3,744
Extraordinary gains - net $0
Net income attributable to bank $3,744
Net charge-offs $0
Cash dividends $3,744
Sale, conversion, retirement of capital stock, net $1,476
Net operating income $1,700
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.68%
Cost of funding earning assets 0.73%
Net interest margin 3.95%
Noninterest income to earning assets 1.26%
Noninterest expense to earning assets 2.71%
Net operating income to assets 1.28%
Return on assets (ROA) 1.15%
Pretax return on assets 1.68%
Return on equity (ROE) 10.37%
Retained earnings to average equity (YTD only) 5.66%
Net charge-offs to loans 0.90%
Credit loss provision to net charge-offs 88.08%
Efficiency ratio5.01%
Assets per employee$51,542
Cash dividends to net income (YTD only)5.16%
Condition Ratios (%)
Loss allowance to loans 45.41%
Loss allowance to noncurrent loans 3.19%
Noncurrent assets plus other real estate owned to assets 170.35%
Noncurrent loans to loans 1.33%
Net loans and leases to deposits1.87%
Net loans and leases to core deposits 67.75%
Equity capital to assets 112.66%
Core capital (leverage) ratio 10.54%
Tier 1 risk-based capital ratio 7.65%
Total risk-based capital ratio 12.58%
Average assets$14
Average earning assets$325,766
Average equity $36,094
Average loans $295,856
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6 Idaho Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
057223Citizens Community Bank280 South Arthur Avenue, Pocatello, ID 83204June 16, 1997Full Service Brick and Mortar
1290654Arthur Avenue Branch280 South Arthur Avenue, Pocatello, ID 83204October 01, 1997Full Service Brick and Mortar
2290655Pocatello Branch2000 Flandro Drive, Pocatello, ID 83202July 12, 1999Full Service Brick and Mortar
3425714Ammon Branch2797 South 25th East, Idaho Falls, ID 83406January 12, 2004Full Service Brick and Mortar
4459483Rexburg Branch452 North 2nd East, Rexburg, ID 83440Febuary 05, 2007Full Service Brick and Mortar
5492760Taylor Crossing Branch900 S. Utah, Idaho Falls, ID 83402March 02, 2009Full Service Brick and Mortar
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