Idaho First Bank in Mccall, Idaho (ID)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Idaho First Bank in Mccall, Idaho (ID)
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Idaho First Bank - Overview

  • General
  • FDIC Certificate #: 58095
    Status: Active
    Federal Reserve ID: 3384952
    Date Established: October 03, 2005
    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)

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
  • 20Total employees (full-time equivalent)
  • $77,156Total assets
  • $7,765Cash and due from depository institutions
  • $5,798Interest-bearing balances
  • $3,827Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $63,081Net loans & leases
  • $1,052Loan loss allowance
  • $0Trading account assets
  • $249Bank premises and fixed assets
  • $887Other real estate owned
  • $0Goodwill and other intangibles
  • $77,156Life insurance assets
  • $1,347All other assets
  • $72,456Total liabilities and capital
  • $69,115Total liabilities
  • $58,714Total deposits
  • $69,115Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,000Trading liabilities
  • $0Other borrowed funds
  • $341Subordinated debt
  • $4,700All other liabilities
  • $4,700Total equity capital
  • $4,700Total bank equity capital
  • $0Perpetual preferred stock
  • $14,678Common stock
  • $0Surplus
  • $-9,978Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,479Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,048Income earned, not collected on loans
  • $0Earning assets
  • $247Long-term assets (5+ years)
  • $72,706Average Assets, year-to-date
  • $22,085Average Assets, quarterly
  • $77,056Volatile liabilities
  • $76,782Insider loans
  • $64,005FHLB advances
  • $75,007Loans and leases held for sale
  • $635Unused loan commitments
  • $635Tier 1 (core) risk-based capital
  • $4,689Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,301Restructured Loans and leases
  • $2,203Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,486Total interest income
  • $1,222Total interest expense
  • $2,264Net interest income
  • $250Provision for loan and lease losses
  • $1,085Total noninterest income
  • $0Fiduciary activities
  • $91Service charges on deposit accounts
  • $0Trading account gains & fees
  • $994Additional noninterest income
  • $3,242Total noninterest expense
  • $1,655Salaries and employee benefits
  • $489Premises and equipment expense
  • $1,098Additional noninterest expense
  • -$143Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$143Income before extraordinary items
  • $0Extraordinary gains - net
  • -$143Net income attributable to bank
  • $0Net charge-offs
  • -$143Cash dividends
  • $223Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.76%Yield on earning assets
  • 1.67%Cost of funding earning assets
  • 3.09%Net interest margin
  • 1.48%Noninterest income to earning assets
  • 4.43%Noninterest expense to earning assets
  • -0.19%Net operating income to assets
  • -0.19%Return on assets (ROA)
  • -0.19%Pretax return on assets
  • -3.06%Return on equity (ROE)
  • -3.06%Retained earnings to average equity (YTD only)
  • 0.38%Net charge-offs to loans
  • 112.11%Credit loss provision to net charge-offs
  • 0.48%Efficiency ratio
  • 96,805Assets per employee
  • 3.86%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.64%Loss allowance to noncurrent loans
  • 100.38%Noncurrent assets plus other real estate owned to assets
  • 2.51%Noncurrent loans to loans
  • 1.63%Net loans and leases to deposits
  • 91.27%Net loans and leases to core deposits
  • 100.25%Equity capital to assets
  • 6.09%Core capital (leverage) ratio
  • 6.25%Tier 1 risk-based capital ratio
  • 7.33%Total risk-based capital ratio
  • Memoranda
  • $9Average assets
  • $77,056Average earning assets
  • $4,675Average equity
  • $73,171Average loans

List of branches

  • 1 Idaho Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0439648Idaho First Bank475 E. Deinhard Lane, Mccall, ID 83638October 03, 2005Full Service Brick and Mortar

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