Idaho Banking Company in Boise, Idaho (ID)



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Idaho Banking Company
GeneralFDIC 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
WWW: http://www.idahobankingco.com
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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)36
Total assets$124,891
Cash and due from depository institutions$11,162
Interest-bearing balances$10,520
Securities$7,947
Federal funds sold & reverse repurchase agreements$110
Net loans & leases$86,867
Loan loss allowance $6,170
Trading account assets$0
Bank premises and fixed assets$3,549
Other real estate owned$10,581
Goodwill and other intangibles$0
All other assets$4,675
Life insurance assets$124,891
Total liabilities and capital$120,841
Total liabilities$115,270
Total deposits$88,127
Interest-bearing deposits$115,270
Deposits held in domestic offices$99
% insured (estimated)28.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$5,000
Other borrowed funds $0
Subordinated debt $543
All other liabilities $4,050
Total equity capital$4,050
Total bank equity capital$4,050
Perpetual preferred stock$0
Common stock$4,298
Surplus$21,521
Undivided profits $-21,769
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $10,121
Earning assets $0
Long-term assets (5+ years) $340
Average Assets, year-to-date $105,444
Average Assets, quarterly $21,992
Volatile liabilities $159,506
Insider loans $136,380
FHLB advances $114,995
Loans and leases held for sale $137,255
Unused loan commitments $2,435
Tier 1 (core) risk-based capital $2,435
Tier 2 risk-based capital $3,955
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $19,147
Derivatives$1,061
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,654
Total interest expense $2,241
Net interest income $4,413
Provision for loan and lease losses $205
Total noninterest income -$3,062
Fiduciary activities $0
Service charges on deposit accounts $200
Trading account gains & fees $0
Additional noninterest income -$3,262
Total noninterest expense $6,747
Salaries and employee benefits $3,029
Premises and equipment expense $687
Additional noninterest expense $3,031
Pre-tax net operating income -$5,601
Securities gains (losses) $525
Applicable income taxes $0
Income before extraordinary items -$5,076
Extraordinary gains - net $0
Net income attributable to bank -$5,076
Net charge-offs $0
Cash dividends -$5,076
Sale, conversion, retirement of capital stock, net $3,509
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.97%
Cost of funding earning assets 1.67%
Net interest margin 3.30%
Noninterest income to earning assets -2.29%
Noninterest expense to earning assets 5.04%
Net operating income to assets -3.51%
Return on assets (ROA) -3.18%
Pretax return on assets -3.18%
Return on equity (ROE) -83.37%
Retained earnings to average equity (YTD only) -83.37%
Net charge-offs to loans 3.15%
Credit loss provision to net charge-offs 5.84%
Efficiency ratio-1.54%
Assets per employee$499,408
Cash dividends to net income (YTD only)3.47%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 6.63%
Noncurrent assets plus other real estate owned to assets 60.96%
Noncurrent loans to loans 16.58%
Net loans and leases to deposits10.88%
Net loans and leases to core deposits 75.36%
Equity capital to assets 81.59%
Core capital (leverage) ratio 3.24%
Tier 1 risk-based capital ratio 2.88%
Total risk-based capital ratio 3.44%
Memoranda
Average assets$5
Average earning assets$159,506
Average equity $6,089
Average loans $133,919
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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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