Community 1st Bank in Post Falls, Idaho (ID)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Community 1st Bank in Post Falls, Idaho (ID)
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Community 1st Bank - Overview

  • General
  • FDIC Certificate #: 58576
    Status: Active
    Federal Reserve ID: 3603970
    Date Established: June 07, 2007
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 457288
    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 07, 2007
    Last Structure Change Effective Date: September 06, 2007
    Last Structure Change Process Date: September 06, 2007
    Last Data Update: September 06, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 707 North Post Street, Post Falls, ID 83854
    County: Kootenai
    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
    Core Based Statistical Area (CBSA): Coeur d'Alene, ID (#17660)
    CBSA Metro Statistical Area: Coeur d'Alene, ID (#17660)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $70.2 mil
    Equity capital: $9.5 mil
    Deposits held in domestic offices: $60.5 mil
    Return on assets (ROA): 0.01% ($0.0 mil)
    Quarterly return on assets: 0.03% ($0.0 mil)
    Return on Equity (ROE): 0.07% ($0.0 mil)
    Quarterly return on equity: 0.21% ($0.0 mil)
    Net income: $0.0 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.01% ($7.0 mil)
    Quarterly Pretax return on assets: 0.03% ($21.1 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
  • 18Total employees (full-time equivalent)
  • $70,182Total assets
  • $20,859Cash and due from depository institutions
  • $20,403Interest-bearing balances
  • $4,368Securities
  • $201Federal funds sold & reverse repurchase agreements
  • $42,977Net loans & leases
  • $885Loan loss allowance
  • $0Trading account assets
  • $1,189Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $70,182Life insurance assets
  • $588All other assets
  • $60,710Total liabilities and capital
  • $60,533Total liabilities
  • $54,294Total deposits
  • $60,533Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $177Subordinated debt
  • $9,472All other liabilities
  • $9,472Total equity capital
  • $9,472Total bank equity capital
  • $0Perpetual preferred stock
  • $5,250Common stock
  • $5,317Surplus
  • $-1,095Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $883Income earned, not collected on loans
  • $0Earning assets
  • $232Long-term assets (5+ years)
  • $67,949Average Assets, year-to-date
  • $11,876Average Assets, quarterly
  • $59,853Volatile liabilities
  • $66,785Insider loans
  • $45,561FHLB advances
  • $67,869Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,389Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,254Restructured Loans and leases
  • $2,600Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,673Total interest income
  • $534Total interest expense
  • $2,139Net interest income
  • $239Provision for loan and lease losses
  • $104Total noninterest income
  • $0Fiduciary activities
  • $63Service charges on deposit accounts
  • $0Trading account gains & fees
  • $41Additional noninterest income
  • $1,997Total noninterest expense
  • $1,137Salaries and employee benefits
  • $245Premises and equipment expense
  • $615Additional noninterest expense
  • $7Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $7Income before extraordinary items
  • $0Extraordinary gains - net
  • $7Net income attributable to bank
  • $0Net charge-offs
  • $7Cash dividends
  • $18Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.62%Yield on earning assets
  • 0.92%Cost of funding earning assets
  • 3.69%Net interest margin
  • 0.18%Noninterest income to earning assets
  • 3.45%Noninterest expense to earning assets
  • 0.01%Net operating income to assets
  • 0.01%Return on assets (ROA)
  • 0.01%Pretax return on assets
  • 0.07%Return on equity (ROE)
  • 0.07%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 1327.78%Credit loss provision to net charge-offs
  • 13.67%Efficiency ratio
  • 89,033Assets per employee
  • 3.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.02%Loss allowance to noncurrent loans
  • 100.23%Noncurrent assets plus other real estate owned to assets
  • 1.26%Noncurrent loans to loans
  • 2.01%Net loans and leases to deposits
  • 71.00%Net loans and leases to core deposits
  • 84.13%Equity capital to assets
  • 13.50%Core capital (leverage) ratio
  • 13.83%Tier 1 risk-based capital ratio
  • 20.61%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $59,853Average earning assets
  • $9,485Average equity
  • $57,891Average loans

List of branches

  • 1 Idaho Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0457288Community 1st Bank707 North Post Street, Post Falls, ID 83854June 07, 2007Full Service Brick and Mortar

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