Idaho First Bank in Mccall, Idaho (ID)
| Idaho First Bank | |
|---|---|
| General | FDIC Certificate #: 58095 Status: Active Federal Reserve ID: 3384952 Date Established: October 03, 2005 WWW: http://www.idahofirstbank.com 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 #: 439648 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: October 03, 2005 Last Structure Change Effective Date: September 17, 2009 Last Structure Change Process Date: September 17, 2009 Last Data Update: September 17, 2009 Data Source Date: April 05, 2012 |
| Location | Address: 475 E. Deinhard Lane, Mccall, ID 83638 County: Valley 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 |
| Financial Summary | Total assets: $77.2 mil Equity capital: $4.7 mil Deposits held in domestic offices: $69.1 mil Return on assets (ROA): -0.19% (-$0.1 mil) Quarterly return on assets: 0.37% ($0.3 mil) Return on Equity (ROE): -3.06% (-$0.2 mil) Quarterly return on equity: 6.09% ($0.3 mil) Net income: -$0.1 mil Quarterly Net income: $0.1 mil Pretax return on assets: -0.19% (-$146.6 mil) Quarterly Pretax return on assets: 0.37% ($285.5 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 20 |
| Total assets | $77,156 |
| Cash and due from depository institutions | $7,765 |
| Interest-bearing balances | $5,798 |
| Securities | $3,827 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $63,081 |
| Loan loss allowance | $1,052 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $249 |
| Other real estate owned | $887 |
| Goodwill and other intangibles | $0 |
| All other assets | $1,347 |
| Life insurance assets | $77,156 |
| Total liabilities and capital | $72,456 |
| Total liabilities | $69,115 |
| Total deposits | $58,714 |
| Interest-bearing deposits | $69,115 |
| Deposits held in domestic offices | $97 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $3,000 |
| Other borrowed funds | $0 |
| Subordinated debt | $341 |
| All other liabilities | $4,700 |
| Total equity capital | $4,700 |
| Total bank equity capital | $4,700 |
| Perpetual preferred stock | $0 |
| Common stock | $14,678 |
| Surplus | $0 |
| Undivided profits | $-9,978 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $1,479 |
| Income earned, not collected on loans | $1,048 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $247 |
| Average Assets, year-to-date | $72,706 |
| Average Assets, quarterly | $22,085 |
| Volatile liabilities | $77,056 |
| Insider loans | $76,782 |
| FHLB advances | $64,005 |
| Loans and leases held for sale | $75,007 |
| Unused loan commitments | $635 |
| Tier 1 (core) risk-based capital | $635 |
| Tier 2 risk-based capital | $4,689 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $8,301 |
| Derivatives | $2,203 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $3,486 |
| Total interest expense | $1,222 |
| Net interest income | $2,264 |
| Provision for loan and lease losses | $250 |
| Total noninterest income | $1,085 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $91 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $994 |
| Total noninterest expense | $3,242 |
| Salaries and employee benefits | $1,655 |
| Premises and equipment expense | $489 |
| Additional noninterest expense | $1,098 |
| Pre-tax net operating income | -$143 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $0 |
| Income before extraordinary items | -$143 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | -$143 |
| Net charge-offs | $0 |
| Cash dividends | -$143 |
| Sale, conversion, retirement of capital stock, net | $223 |
| Net operating income | $0 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.76% |
| Cost of funding earning assets | 1.67% |
| Net interest margin | 3.09% |
| Noninterest income to earning assets | 1.48% |
| Noninterest expense to earning assets | 4.43% |
| Net operating income to assets | -0.19% |
| Return on assets (ROA) | -0.19% |
| Pretax return on assets | -0.19% |
| Return on equity (ROE) | -3.06% |
| Retained earnings to average equity (YTD only) | -3.06% |
| Net charge-offs to loans | 0.38% |
| Credit loss provision to net charge-offs | 112.11% |
| Efficiency ratio | 0.48% |
| Assets per employee | $96,805 |
| Cash dividends to net income (YTD only) | 3.86% |
| Condition Ratios (%) | |
| Loss allowance to loans | 0.00% |
| Loss allowance to noncurrent loans | 1.64% |
| Noncurrent assets plus other real estate owned to assets | 100.38% |
| Noncurrent loans to loans | 2.51% |
| Net loans and leases to deposits | 1.63% |
| Net loans and leases to core deposits | 91.27% |
| Equity capital to assets | 100.25% |
| Core capital (leverage) ratio | 6.09% |
| Tier 1 risk-based capital ratio | 6.25% |
| Total risk-based capital ratio | 7.33% |
| Memoranda | |
| Average assets | $9 |
| Average earning assets | $77,056 |
| Average equity | $4,675 |
| Average loans | $73,171 |
| 1 Idaho Branch as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 439648 | Idaho First Bank | 475 E. Deinhard Lane, Mccall, ID 83638 | October 03, 2005 | Full Service Brick and Mortar |  |
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