Idaho Trust Bank in Boise, Idaho (ID)
Overview, Financial Summary, Detailed Financial Reports, Branches


Idaho Trust Bank - Overview

  • General
  • FDIC 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
    WWW: http://www.idahotrust.com
    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
  • Location
  • Address: 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 Summary
  • Total 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
  • 31Total employees (full-time equivalent)
  • $74,584Total assets
  • $18,002Cash and due from depository institutions
  • $16,701Interest-bearing balances
  • $302Securities
  • $954Federal funds sold & reverse repurchase agreements
  • $47,883Net loans & leases
  • $1,416Loan loss allowance
  • $0Trading account assets
  • $3,757Bank premises and fixed assets
  • $608Other real estate owned
  • $155Goodwill and other intangibles
  • $74,584Life insurance assets
  • $2,923All other assets
  • $59,497Total liabilities and capital
  • $59,081Total liabilities
  • $50,558Total deposits
  • $59,081Interest-bearing deposits
  • $71Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $416Subordinated debt
  • $15,087All other liabilities
  • $15,087Total equity capital
  • $15,087Total bank equity capital
  • $0Perpetual preferred stock
  • $22,007Common stock
  • $3,861Surplus
  • $-10,781Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,071Income earned, not collected on loans
  • $0Earning assets
  • $262Long-term assets (5+ years)
  • $65,840Average Assets, year-to-date
  • $64Average Assets, quarterly
  • $78,693Volatile liabilities
  • $75,546Insider loans
  • $55,776FHLB advances
  • $75,859Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,231Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,002Restructured Loans and leases
  • $14,324Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,851Total interest income
  • $372Total interest expense
  • $2,479Net interest income
  • $1,804Provision for loan and lease losses
  • $2,345Total noninterest income
  • $2,139Fiduciary activities
  • $14Service charges on deposit accounts
  • $0Trading account gains & fees
  • $192Additional noninterest income
  • $4,681Total noninterest expense
  • $2,648Salaries and employee benefits
  • $481Premises and equipment expense
  • $1,552Additional noninterest expense
  • -$1,661Pre-tax net operating income
  • $6Securities gains (losses)
  • $0Applicable income taxes
  • -$1,655Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,655Net income attributable to bank
  • $0Net charge-offs
  • -$1,655Cash dividends
  • $1,587Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.06%Yield on earning assets
  • 0.53%Cost of funding earning assets
  • 3.53%Net interest margin
  • 3.34%Noninterest income to earning assets
  • 6.67%Noninterest expense to earning assets
  • -2.11%Net operating income to assets
  • -2.10%Return on assets (ROA)
  • -2.10%Pretax return on assets
  • -10.33%Return on equity (ROE)
  • -10.33%Retained earnings to average equity (YTD only)
  • 3.07%Net charge-offs to loans
  • 113.67%Credit loss provision to net charge-offs
  • 0.09%Efficiency ratio
  • 97,036Assets per employee
  • 2.41%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.87%Loss allowance to noncurrent loans
  • 68.37%Noncurrent assets plus other real estate owned to assets
  • 3.59%Noncurrent loans to loans
  • 4.20%Net loans and leases to deposits
  • 81.05%Net loans and leases to core deposits
  • 103.27%Equity capital to assets
  • 20.23%Core capital (leverage) ratio
  • 17.44%Tier 1 risk-based capital ratio
  • 23.72%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $78,693Average earning assets
  • $16,016Average equity
  • $70,137Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $191,125Managed Assets
  • 1Number of Accounts
  • $153,950Personal trust and agency accounts
  • $53,885Employee benefit-defined contribution accounts
  • $3,223Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $13,557Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $83,285Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 914Number of Accounts
  • $0Personal trust and agency accounts
  • $13,557Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $37,175Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 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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