Idaho Trust Bank in Boise, Idaho (ID)

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Idaho Trust Bank
GeneralFDIC Certificate #: 35103
Status: Active
Federal Reserve ID: 2753917
Bank Holding Company (Regulatory Top Holder): Idaho Trust Bancorp (RSSDID: 3439713, Location: Boise, ID)
Date Established: August 30, 1994
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 74682
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: August 30, 2006
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
LocationAddress: 888 West Broad Street, Boise, ID 83702
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)
Financial SummaryTotal assets: $74.6 mil
Equity capital: $15.1 mil
Deposits held in domestic offices: $59.1 mil
Return on assets (ROA): -2.10% (-$1.6 mil)
Quarterly return on assets: 0.75% ($0.6 mil)
Return on Equity (ROE): -10.33% (-$1.5 mil)
Quarterly return on equity: 3.76% ($0.6 mil)
Net income: -$1.7 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: -2.10% (-$1,566.3 mil)
Quarterly Pretax return on assets: 0.75% ($559.4 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)31
Total assets$74,584
Cash and due from depository institutions$18,002
Interest-bearing balances$16,701
Federal funds sold & reverse repurchase agreements$954
Net loans & leases$47,883
Loan loss allowance $1,416
Trading account assets$0
Bank premises and fixed assets$3,757
Other real estate owned$608
Goodwill and other intangibles$155
All other assets$2,923
Life insurance assets$74,584
Total liabilities and capital$59,497
Total liabilities$59,081
Total deposits$50,558
Interest-bearing deposits$59,081
Deposits held in domestic offices$71
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $416
All other liabilities $15,087
Total equity capital$15,087
Total bank equity capital$15,087
Perpetual preferred stock$0
Common stock$22,007
Undivided profits $-10,781
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 $2,071
Earning assets $0
Long-term assets (5+ years) $262
Average Assets, year-to-date $65,840
Average Assets, quarterly $64
Volatile liabilities $78,693
Insider loans $75,546
FHLB advances $55,776
Loans and leases held for sale $75,859
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $13,231
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $7,002
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,851
Total interest expense $372
Net interest income $2,479
Provision for loan and lease losses $1,804
Total noninterest income $2,345
Fiduciary activities $2,139
Service charges on deposit accounts $14
Trading account gains & fees $0
Additional noninterest income $192
Total noninterest expense $4,681
Salaries and employee benefits $2,648
Premises and equipment expense $481
Additional noninterest expense $1,552
Pre-tax net operating income -$1,661
Securities gains (losses) $6
Applicable income taxes $0
Income before extraordinary items -$1,655
Extraordinary gains - net $0
Net income attributable to bank -$1,655
Net charge-offs $0
Cash dividends -$1,655
Sale, conversion, retirement of capital stock, net $1,587
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 assets4.06%
Cost of funding earning assets 0.53%
Net interest margin 3.53%
Noninterest income to earning assets 3.34%
Noninterest expense to earning assets 6.67%
Net operating income to assets -2.11%
Return on assets (ROA) -2.10%
Pretax return on assets -2.10%
Return on equity (ROE) -10.33%
Retained earnings to average equity (YTD only) -10.33%
Net charge-offs to loans 3.07%
Credit loss provision to net charge-offs 113.67%
Efficiency ratio0.09%
Assets per employee$97,036
Cash dividends to net income (YTD only)2.41%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.87%
Noncurrent assets plus other real estate owned to assets 68.37%
Noncurrent loans to loans 3.59%
Net loans and leases to deposits4.20%
Net loans and leases to core deposits 81.05%
Equity capital to assets 103.27%
Core capital (leverage) ratio 20.23%
Tier 1 risk-based capital ratio 17.44%
Total risk-based capital ratio 23.72%
Average assets$25
Average earning assets$78,693
Average equity $16,016
Average loans $70,137
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$191,125
Number of Accounts1
Personal trust and agency accounts$153,950
Employee benefit-defined contribution accounts$53,885
Employee benefit-defined benefit accounts$3,223
Other retirement accounts$0
Corporate trust and agency accounts$13,557
Investment management agency accounts$0
Other fiduciary accounts$83,285
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts914
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$13,557
Employee benefit-defined benefit accounts$0
Other retirement accounts$37,175
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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2 Idaho Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
074682Idaho Trust Bank888 West Broad Street, Boise, ID 83702August 30, 1994Full Service Brick and Mortar
1466276Coeur D' Alene Branch608 Northwest Blvd, Ste. 300, Coeur D Alene, ID 83814August 30, 2006Full Service Brick and Mortar
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