Idaho Independent Bank in Coeur D Alene, Idaho (ID)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Idaho Independent Bank in Coeur D Alene, Idaho (ID)
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Idaho Independent Bank - Overview

  • General
  • FDIC Certificate #: 33845
    Status: Active
    Federal Reserve ID: 2110640
    Date Established: October 11, 1993
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 12 (Domestic: 12, Interstate: No)
    OTS Docket #: 13616
    FDIC's unique #: 48153
    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 11, 1993
    Last Structure Change Effective Date: Febuary 16, 2010
    Last Structure Change Process Date: Febuary 16, 2010
    Last Data Update: Febuary 16, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 1260 West Riverstone Drive, Coeur D Alene, ID 83814
    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)
  • Financial Summary
  • Total assets: $441.1 mil
    Equity capital: $56.5 mil
    Deposits held in domestic offices: $357.5 mil
    Return on assets (ROA): -1.43% (-$6.3 mil)
    Quarterly return on assets: -3.29% (-$14.5 mil)
    Return on Equity (ROE): -11.47% (-$6.4 mil)
    Quarterly return on equity: -26.57% (-$14.9 mil)
    Net income: -$6.4 mil
    Quarterly Net income: -$3.7 mil
    Pretax return on assets: -1.10% (-$4,852.1 mil)
    Quarterly Pretax return on assets: -1.94% (-$8,557.4 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
  • 181Total employees (full-time equivalent)
  • $441,101Total assets
  • $100,154Cash and due from depository institutions
  • $91,779Interest-bearing balances
  • $51,154Securities
  • $1,096Federal funds sold & reverse repurchase agreements
  • $237,932Net loans & leases
  • $9,473Loan loss allowance
  • $2,864Trading account assets
  • $19,432Bank premises and fixed assets
  • $9,041Other real estate owned
  • $0Goodwill and other intangibles
  • $441,101Life insurance assets
  • $19,428All other assets
  • $384,604Total liabilities and capital
  • $357,515Total liabilities
  • $251,457Total deposits
  • $357,515Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 10305.00%% insured (estimated)
  • $2,864Federal funds purchased & repurchase agreements
  • $9,000Trading liabilities
  • $0Other borrowed funds
  • $4,920Subordinated debt
  • $56,497All other liabilities
  • $56,497Total equity capital
  • $56,497Total bank equity capital
  • $0Perpetual preferred stock
  • $44,746Common stock
  • $41,532Surplus
  • $-29,781Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $4,184Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $26,744Income earned, not collected on loans
  • $0Earning assets
  • $1,056Long-term assets (5+ years)
  • $384,825Average Assets, year-to-date
  • $4,556Average Assets, quarterly
  • $444,623Volatile liabilities
  • $447,534Insider loans
  • $339,256FHLB advances
  • $455,199Loans and leases held for sale
  • $11,947Unused loan commitments
  • $11,947Tier 1 (core) risk-based capital
  • $56,535Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $61,671Restructured Loans and leases
  • $1,016Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $16,417Total interest income
  • $1,763Total interest expense
  • $14,654Net interest income
  • $3,521Provision for loan and lease losses
  • $3,663Total noninterest income
  • $0Fiduciary activities
  • $811Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,852Additional noninterest income
  • $19,697Total noninterest expense
  • $11,251Salaries and employee benefits
  • $2,684Premises and equipment expense
  • $5,762Additional noninterest expense
  • -$4,901Pre-tax net operating income
  • $26Securities gains (losses)
  • $1,500Applicable income taxes
  • -$6,375Income before extraordinary items
  • $0Extraordinary gains - net
  • -$6,375Net income attributable to bank
  • $0Net charge-offs
  • -$6,375Cash dividends
  • $3,901Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.30%Yield on earning assets
  • 0.46%Cost of funding earning assets
  • 3.84%Net interest margin
  • 0.96%Noninterest income to earning assets
  • 5.16%Noninterest expense to earning assets
  • -1.44%Net operating income to assets
  • -1.43%Return on assets (ROA)
  • -1.10%Pretax return on assets
  • -11.47%Return on equity (ROE)
  • -11.47%Retained earnings to average equity (YTD only)
  • 1.49%Net charge-offs to loans
  • 90.26%Credit loss provision to net charge-offs
  • -0.35%Efficiency ratio
  • 107,534Assets per employee
  • 2.44%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.83%Loss allowance to noncurrent loans
  • 35.42%Noncurrent assets plus other real estate owned to assets
  • 8.11%Noncurrent loans to loans
  • 10.81%Net loans and leases to deposits
  • 66.55%Net loans and leases to core deposits
  • 67.40%Equity capital to assets
  • 12.81%Core capital (leverage) ratio
  • 12.42%Tier 1 risk-based capital ratio
  • 16.66%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $444,623Average earning assets
  • $55,597Average equity
  • $381,937Average loans

List of branches

  • 12 Idaho Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    048153Idaho Independent Bank1260 West Riverstone Drive, Coeur D Alene, ID 83814October 11, 1993Full Service Brick and Mortar
    1289970Hayden Branch8882 North Government Way, Hayden Lake, ID 83835October 24, 1994Full Service Brick and Mortar
    2289971Boise Branch317 North 9th Street, Boise, ID 83702October 21, 1996Full Service Brick and Mortar
    3289972Meridian Branch113 East Idaho Ave, Meridian, ID 83642September 01, 1998Full Service Brick and Mortar
    4289973Nampa Branch804 12th Avenue South, Nampa, ID 83651October 20, 1998Full Service Brick and Mortar
    5294928West Boise Branch8351 West Overland Road, Boise, ID 83709Febuary 07, 2000Full Service Brick and Mortar
    6284134Mountain Home Branch310 American Legion Boulevard, Mountain Home, ID 83647January 01, 1960Full Service Brick and Mortar
    7361531Caldwell Branch620 S Kimball Ave, Caldwell, ID 83605May 23, 2001Full Service Brick and Mortar
    9433230Ketchum Branch491 N Main St Suite 101, Ketchum, ID 83340January 26, 2005Full Service Brick and Mortar
    10443221Star Branch90 South Star Road, Star, ID 83669July 21, 2005Full Service Brick and Mortar
    11450298Boise River Branch401 West Front Street, Boise, ID 83702July 05, 2000Full Service Brick and Mortar
    12466271Eagle Branch560 E. State Street, Eagle, ID 83616May 01, 2007Full Service Brick and Mortar

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