Citizens Community Bank in Pocatello, Idaho (ID)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Citizens Community Bank in Pocatello, Idaho (ID)
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Citizens Community Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 70Total employees (full-time equivalent)
  • $361,150Total assets
  • $3,502Cash and due from depository institutions
  • $11Interest-bearing balances
  • $170,377Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $161,452Net loans & leases
  • $5,325Loan loss allowance
  • $0Trading account assets
  • $6,627Bank premises and fixed assets
  • $1,692Other real estate owned
  • $9,677Goodwill and other intangibles
  • $361,150Life insurance assets
  • $7,823All other assets
  • $323,091Total liabilities and capital
  • $238,314Total liabilities
  • $193,078Total deposits
  • $238,314Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 35352.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $48,000Trading liabilities
  • $0Other borrowed funds
  • $1,425Subordinated debt
  • $38,059All other liabilities
  • $38,059Total equity capital
  • $38,059Total bank equity capital
  • $0Perpetual preferred stock
  • $2,193Common stock
  • $19,265Surplus
  • $16,601Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $11,634Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,126Income earned, not collected on loans
  • $0Earning assets
  • $1,858Long-term assets (5+ years)
  • $331,840Average Assets, year-to-date
  • $106,004Average Assets, quarterly
  • $325,766Volatile liabilities
  • $352,967Insider loans
  • $209,538FHLB advances
  • $344,564Loans and leases held for sale
  • $2,407Unused loan commitments
  • $2,407Tier 1 (core) risk-based capital
  • $26,358Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $29,293Restructured Loans and leases
  • $1,543Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,849Total interest income
  • $2,163Total interest expense
  • $11,686Net interest income
  • $1,300Provision for loan and lease losses
  • $3,719Total noninterest income
  • $0Fiduciary activities
  • $1,020Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,699Additional noninterest income
  • $8,015Total noninterest expense
  • $4,306Salaries and employee benefits
  • $727Premises and equipment expense
  • $2,982Additional noninterest expense
  • $6,090Pre-tax net operating income
  • -$630Securities gains (losses)
  • $1,716Applicable income taxes
  • $3,744Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,744Net income attributable to bank
  • $0Net charge-offs
  • $3,744Cash dividends
  • $1,476Sale, conversion, retirement of capital stock, net
  • $1,700Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.68%Yield on earning assets
  • 0.73%Cost of funding earning assets
  • 3.95%Net interest margin
  • 1.26%Noninterest income to earning assets
  • 2.71%Noninterest expense to earning assets
  • 1.28%Net operating income to assets
  • 1.15%Return on assets (ROA)
  • 1.68%Pretax return on assets
  • 10.37%Return on equity (ROE)
  • 5.66%Retained earnings to average equity (YTD only)
  • 0.90%Net charge-offs to loans
  • 88.08%Credit loss provision to net charge-offs
  • 5.01%Efficiency ratio
  • 51,542Assets per employee
  • 5.16%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.41%Loss allowance to loans
  • 3.19%Loss allowance to noncurrent loans
  • 170.35%Noncurrent assets plus other real estate owned to assets
  • 1.33%Noncurrent loans to loans
  • 1.87%Net loans and leases to deposits
  • 67.75%Net loans and leases to core deposits
  • 112.66%Equity capital to assets
  • 10.54%Core capital (leverage) ratio
  • 7.65%Tier 1 risk-based capital ratio
  • 12.58%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $325,766Average earning assets
  • $36,094Average equity
  • $295,856Average loans

List of branches

  • 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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