Idaho Banking Company in Boise, Idaho (ID)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Idaho Banking Company in Boise, Idaho (ID)
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Idaho Banking Company - Overview

  • General
  • FDIC Certificate #: 34317
    Status: Active
    Federal Reserve ID: 2473354
    Bank Holding Company (Regulatory Top Holder): Idaho Bancorp (RSSDID: 3301883, Location: Boise, ID)
    Date Established: October 07, 1996
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 57076
    Numeric code: 13
    Regulator: FED
    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: October 07, 1996
    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: 6010 Fairview Avenue, Boise, ID 83704
    County: Ada
    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): Boise City, ID (#1080)
    Core Based Statistical Area (CBSA): Boise City-Nampa, ID (#14260)
    CBSA Metro Statistical Area: Boise City-Nampa, ID (#14260)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $124.9 mil
    Equity capital: $4.0 mil
    Deposits held in domestic offices: $115.3 mil
    Return on assets (ROA): -3.18% (-$4.0 mil)
    Quarterly return on assets: -1.03% (-$1.3 mil)
    Return on Equity (ROE): -83.37% (-$3.3 mil)
    Quarterly return on equity: -32.95% (-$1.3 mil)
    Net income: -$5.1 mil
    Quarterly Net income: -$0.4 mil
    Pretax return on assets: -3.18% (-$3,971.5 mil)
    Quarterly Pretax return on assets: -1.03% (-$1,286.4 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
  • 36Total employees (full-time equivalent)
  • $124,891Total assets
  • $11,162Cash and due from depository institutions
  • $10,520Interest-bearing balances
  • $7,947Securities
  • $110Federal funds sold & reverse repurchase agreements
  • $86,867Net loans & leases
  • $6,170Loan loss allowance
  • $0Trading account assets
  • $3,549Bank premises and fixed assets
  • $10,581Other real estate owned
  • $0Goodwill and other intangibles
  • $124,891Life insurance assets
  • $4,675All other assets
  • $120,841Total liabilities and capital
  • $115,270Total liabilities
  • $88,127Total deposits
  • $115,270Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 28.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $543Subordinated debt
  • $4,050All other liabilities
  • $4,050Total equity capital
  • $4,050Total bank equity capital
  • $0Perpetual preferred stock
  • $4,298Common stock
  • $21,521Surplus
  • $-21,769Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $10,121Income earned, not collected on loans
  • $0Earning assets
  • $340Long-term assets (5+ years)
  • $105,444Average Assets, year-to-date
  • $21,992Average Assets, quarterly
  • $159,506Volatile liabilities
  • $136,380Insider loans
  • $114,995FHLB advances
  • $137,255Loans and leases held for sale
  • $2,435Unused loan commitments
  • $2,435Tier 1 (core) risk-based capital
  • $3,955Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $19,147Restructured Loans and leases
  • $1,061Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,654Total interest income
  • $2,241Total interest expense
  • $4,413Net interest income
  • $205Provision for loan and lease losses
  • -$3,062Total noninterest income
  • $0Fiduciary activities
  • $200Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$3,262Additional noninterest income
  • $6,747Total noninterest expense
  • $3,029Salaries and employee benefits
  • $687Premises and equipment expense
  • $3,031Additional noninterest expense
  • -$5,601Pre-tax net operating income
  • $525Securities gains (losses)
  • $0Applicable income taxes
  • -$5,076Income before extraordinary items
  • $0Extraordinary gains - net
  • -$5,076Net income attributable to bank
  • $0Net charge-offs
  • -$5,076Cash dividends
  • $3,509Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.97%Yield on earning assets
  • 1.67%Cost of funding earning assets
  • 3.30%Net interest margin
  • -2.29%Noninterest income to earning assets
  • 5.04%Noninterest expense to earning assets
  • -3.51%Net operating income to assets
  • -3.18%Return on assets (ROA)
  • -3.18%Pretax return on assets
  • -83.37%Return on equity (ROE)
  • -83.37%Retained earnings to average equity (YTD only)
  • 3.15%Net charge-offs to loans
  • 5.84%Credit loss provision to net charge-offs
  • -1.54%Efficiency ratio
  • 499,408Assets per employee
  • 3.47%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 6.63%Loss allowance to noncurrent loans
  • 60.96%Noncurrent assets plus other real estate owned to assets
  • 16.58%Noncurrent loans to loans
  • 10.88%Net loans and leases to deposits
  • 75.36%Net loans and leases to core deposits
  • 81.59%Equity capital to assets
  • 3.24%Core capital (leverage) ratio
  • 2.88%Tier 1 risk-based capital ratio
  • 3.44%Total risk-based capital ratio
  • Memoranda
  • $5Average assets
  • $159,506Average earning assets
  • $6,089Average equity
  • $133,919Average loans

List of branches

  • 4 Idaho Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    057076Idaho Banking Company6010 Fairview Avenue, Boise, ID 83704October 07, 1996Full Service Brick and Mortar
    1290533Eagle Branch402 South Eagle Road, Eagle, ID 83616March 08, 1999Full Service Brick and Mortar
    2290534Parkcenter Branch673 East Parkcenter Boulevard, Boise, ID 83706May 03, 1999Full Service Brick and Mortar
    3431581Meridian Branch1875 S. Eagle Rd., Meridian, ID 83642June 01, 2004Full Service Brick and Mortar

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