Inland Northwest Bank in Spokane, Washington (WA), ID
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Inland Northwest Bank in Spokane, Washington (WA), ID
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Inland Northwest Bank - Overview

  • General
  • FDIC Certificate #: 27601
    Status: Active
    Federal Reserve ID: 1411032
    Bank Holding Company (Regulatory Top Holder): Northwest Bancorporation, Inc. (RSSDID: 2088329, Location: Spokane, WA)
    Date Established: October 02, 1989
    WWW: http://www.inb.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 11 (Domestic: 11, Interstate: Yes)
    OTS Docket #: 12955
    FDIC's unique #: 40434
    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 02, 1989
    Last Structure Change Effective Date: June 12, 2008
    Last Structure Change Process Date: June 12, 2008
    Last Data Update: June 12, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 421 West Riverside, Suite 113, Spokane, WA 99201
    County: Spokane
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Seattle
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Spokane, WA (#7840)
    Core Based Statistical Area (CBSA): Spokane, WA (#44060)
    CBSA Metro Statistical Area: Spokane, WA (#44060)
  • Financial Summary
  • Total assets: $384.9 mil
    Equity capital: $40.7 mil
    Deposits held in domestic offices: $333.9 mil
    Return on assets (ROA): -0.11% (-$0.4 mil)
    Quarterly return on assets: -0.50% (-$1.9 mil)
    Return on Equity (ROE): -1.04% (-$0.4 mil)
    Quarterly return on equity: -4.75% (-$1.9 mil)
    Net income: -$0.4 mil
    Quarterly Net income: -$0.5 mil
    Pretax return on assets: -0.27% (-$1,039.2 mil)
    Quarterly Pretax return on assets: -0.82% (-$3,156.2 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
  • 114Total employees (full-time equivalent)
  • $384,905Total assets
  • $13,528Cash and due from depository institutions
  • $7,344Interest-bearing balances
  • $66,250Securities
  • $13,757Federal funds sold & reverse repurchase agreements
  • $261,315Net loans & leases
  • $6,816Loan loss allowance
  • $0Trading account assets
  • $15,547Bank premises and fixed assets
  • $4,459Other real estate owned
  • $0Goodwill and other intangibles
  • $384,905Life insurance assets
  • $10,049All other assets
  • $344,165Total liabilities and capital
  • $333,934Total liabilities
  • $268,200Total deposits
  • $333,934Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,051Trading liabilities
  • $0Other borrowed funds
  • $2,180Subordinated debt
  • $40,740All other liabilities
  • $40,740Total equity capital
  • $40,740Total bank equity capital
  • $0Perpetual preferred stock
  • $25,579Common stock
  • $0Surplus
  • $15,161Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,728Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,381Income earned, not collected on loans
  • $0Earning assets
  • $1,333Long-term assets (5+ years)
  • $348,666Average Assets, year-to-date
  • $81,176Average Assets, quarterly
  • $388,814Volatile liabilities
  • $388,639Insider loans
  • $309,877FHLB advances
  • $388,845Loans and leases held for sale
  • $3,916Unused loan commitments
  • $3,916Tier 1 (core) risk-based capital
  • $39,528Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $79,384Restructured Loans and leases
  • $347Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $20,257Total interest income
  • $3,982Total interest expense
  • $16,275Net interest income
  • $6,874Provision for loan and lease losses
  • $3,347Total noninterest income
  • $0Fiduciary activities
  • $1,498Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,849Additional noninterest income
  • $14,057Total noninterest expense
  • $7,046Salaries and employee benefits
  • $2,500Premises and equipment expense
  • $4,511Additional noninterest expense
  • -$1,309Pre-tax net operating income
  • $264Securities gains (losses)
  • -$624Applicable income taxes
  • -$421Income before extraordinary items
  • $0Extraordinary gains - net
  • -$421Net income attributable to bank
  • $0Net charge-offs
  • -$421Cash dividends
  • $6,976Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.74%Yield on earning assets
  • 1.13%Cost of funding earning assets
  • 4.61%Net interest margin
  • 0.95%Noninterest income to earning assets
  • 3.99%Noninterest expense to earning assets
  • -0.15%Net operating income to assets
  • -0.11%Return on assets (ROA)
  • -0.27%Pretax return on assets
  • -1.04%Return on equity (ROE)
  • -1.04%Retained earnings to average equity (YTD only)
  • 2.52%Net charge-offs to loans
  • 98.54%Credit loss provision to net charge-offs
  • 0.80%Efficiency ratio
  • 71,639Assets per employee
  • 3.38%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.54%Loss allowance to noncurrent loans
  • 81.33%Noncurrent assets plus other real estate owned to assets
  • 3.34%Noncurrent loans to loans
  • 3.13%Net loans and leases to deposits
  • 78.25%Net loans and leases to core deposits
  • 83.64%Equity capital to assets
  • 10.58%Core capital (leverage) ratio
  • 10.17%Tier 1 risk-based capital ratio
  • 12.76%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $388,814Average earning assets
  • $40,503Average equity
  • $352,746Average loans

List of branches

  • 4 Idaho Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    6262339Post Falls Branch1729 East Seltice Way, Post Falls, ID 83854December 28, 1995Full Service Brick and Mortar
    8262341Coeur D'alene Branch955 Ironwood Drive, Coeur D'alene, ID 83814Febuary 02, 1998Full Service Brick and Mortar
    12469761Spirit Lake Branch31845 North 5th Avenue, Spirit Lake, ID 83869December 17, 2007Full Service Brick and Mortar
    13469762Hayden Branch30 West Prairie Avenue, Coeur D Alene, ID 83815November 15, 2007Full Service Brick and Mortar
  • 7 Washington Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    040434Inland Northwest Bank421 West Riverside, Suite 113, Spokane, WA 99201October 02, 1989Full Service Brick and Mortar
    1262334Valley Branch15015 E Sprague Avenue, Spokane Valley, WA 99216March 16, 1992Full Service Retail
    2262335Airway Heights Branch11917 W Sunset Hwy, Airway Heights, WA 99001May 01, 1993Full Service Retail
    4262337Northpointe Branch1021 East Hawthorne Road, Spokane, WA 99218June 01, 1995Full Service Brick and Mortar
    5262338Francis BranchWest 518 Francis, Spokane, WA 99205April 22, 1996Full Service Retail
    726234057th Regal Branch2905 E 57th Avenue, Spokane, WA 99223September 02, 1997Full Service Brick and Mortar
    11450826Ruby Branch2110 North Ruby Street, Spokane, WA 99207April 17, 2006Full Service Brick and Mortar

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