Ireland Bank in Malad City, Idaho (ID)
Overview, Financial Summary, Detailed Financial Reports, Branches

Ireland Bank - Overview

  • General
  • FDIC Certificate #: 1237
    Status: Active
    Federal Reserve ID: 428462
    Bank Holding Company (Regulatory Top Holder): Ireland Bancorp, Ltd. (RSSDID: 1248845, Location: Malad City, ID)
    Date Established: December 01, 1892
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 13 (Domestic: 13, Interstate: No)
    OTS Docket #: 8847
    FDIC's unique #: 847
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: May 01, 2011
    Last Structure Change Process Date: May 03, 2011
    Last Data Update: May 03, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 33 Bannock Street, Malad City, ID 83252
    County: Oneida
    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: $212.2 mil
    Equity capital: $19.3 mil
    Deposits held in domestic offices: $187.3 mil
    Return on assets (ROA): 0.14% ($0.3 mil)
    Quarterly return on assets: 0.23% ($0.5 mil)
    Return on Equity (ROE): 1.61% ($0.3 mil)
    Quarterly return on equity: 2.52% ($0.5 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: -0.06% (-$127.3 mil)
    Quarterly Pretax return on assets: -0.32% (-$679.0 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
  • 95Total employees (full-time equivalent)
  • $212,178Total assets
  • $7,473Cash and due from depository institutions
  • $5,535Interest-bearing balances
  • $55,493Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $136,797Net loans & leases
  • $1,456Loan loss allowance
  • $0Trading account assets
  • $1,641Bank premises and fixed assets
  • $3,032Other real estate owned
  • $222Goodwill and other intangibles
  • $212,178Life insurance assets
  • $7,520All other assets
  • $192,919Total liabilities and capital
  • $187,258Total liabilities
  • $132,979Total deposits
  • $187,258Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 993.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,482Trading liabilities
  • $0Other borrowed funds
  • $1,186Subordinated debt
  • $19,259All other liabilities
  • $19,259Total equity capital
  • $19,259Total bank equity capital
  • $0Perpetual preferred stock
  • $705Common stock
  • $6,367Surplus
  • $12,187Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,415Income earned, not collected on loans
  • $0Earning assets
  • $1,661Long-term assets (5+ years)
  • $197,825Average Assets, year-to-date
  • $78,410Average Assets, quarterly
  • $210,808Volatile liabilities
  • $210,643Insider loans
  • $152,786FHLB advances
  • $214,809Loans and leases held for sale
  • $3,339Unused loan commitments
  • $1,980Tier 1 (core) risk-based capital
  • $18,660Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,359Total unused commitments
  • $21,695Restructured Loans and leases
  • $49Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,315Total interest income
  • $1,400Total interest expense
  • $8,915Net interest income
  • $1,257Provision for loan and lease losses
  • $1,178Total noninterest income
  • $0Fiduciary activities
  • $662Service charges on deposit accounts
  • $0Trading account gains & fees
  • $516Additional noninterest income
  • $8,972Total noninterest expense
  • $4,570Salaries and employee benefits
  • $1,507Premises and equipment expense
  • $2,895Additional noninterest expense
  • -$136Pre-tax net operating income
  • $4Securities gains (losses)
  • -$436Applicable income taxes
  • $304Income before extraordinary items
  • $0Extraordinary gains - net
  • $304Net income attributable to bank
  • $0Net charge-offs
  • $304Cash dividends
  • $1,605Sale, conversion, retirement of capital stock, net
  • $287Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.23%Yield on earning assets
  • 0.71%Cost of funding earning assets
  • 4.52%Net interest margin
  • 0.60%Noninterest income to earning assets
  • 4.55%Noninterest expense to earning assets
  • 0.14%Net operating income to assets
  • 0.14%Return on assets (ROA)
  • -0.06%Pretax return on assets
  • 1.61%Return on equity (ROE)
  • 0.09%Retained earnings to average equity (YTD only)
  • 1.12%Net charge-offs to loans
  • 78.32%Credit loss provision to net charge-offs
  • 0.70%Efficiency ratio
  • 88,893Assets per employee
  • 2.23%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 94.41%Loss allowance to loans
  • 1.05%Loss allowance to noncurrent loans
  • 32.98%Noncurrent assets plus other real estate owned to assets
  • 3.51%Noncurrent loans to loans
  • 3.19%Net loans and leases to deposits
  • 73.05%Net loans and leases to core deposits
  • 76.75%Equity capital to assets
  • 9.08%Core capital (leverage) ratio
  • 8.69%Tier 1 risk-based capital ratio
  • 12.21%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $210,808Average earning assets
  • $18,889Average equity
  • $197,392Average loans

List of branches

  • 13 Idaho Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0847Ireland Bank33 Bannock Street, Malad City, ID 83252December 01, 1892Full Service Brick and Mortar
    1189015Preston Branch85 East Oneida, Preston, ID 83263October 19, 1981Full Service Brick and Mortar
    27451Downey BranchMain And Center Streets, Downey, ID 83234September 01, 1910Full Service Brick and Mortar
    3225440Inkom BranchMain Street And Highway 30, Inkom, ID 83245April 01, 1980Full Service Brick and Mortar
    4252773Soda Springs Branch98 West Second South, Soda Springs, ID 83276October 27, 1976Full Service Brick and Mortar
    5252774Grace Branch1 North Main, Grace, ID 83241October 27, 1980Full Service Brick and Mortar
    6252777Lava Hot Springs Branch110 Main Street, Lava Hot Springs, ID 83246July 11, 1986Full Service Brick and Mortar
    7189016Pocatello Branch2715 Pole Line Road, Pocatello, ID 83201November 01, 1995Full Service Brick and Mortar
    8189017Montpelier Branch420 North Fourth Street, Montpelier, ID 83254July 06, 1998Full Service Brick and Mortar
    9430940Pocatello - Yellowstone Branch486 Yellowstone Avenue, Pocatello, ID 83201April 30, 2004Full Service Brick and Mortar
    10450428Aberdeen Branch386 North Main, Aberdeen, ID 83210March 20, 2006Full Service Brick and Mortar
    11480409Mackay Branch208 S Main Street, Mackay, ID 83251August 03, 2007Full Service Brick and Mortar
    12480410Carey Branch20449 Main Street, Carey, ID 83320August 03, 2007Full Service Brick and Mortar

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