Ireland Bank in Malad City, Idaho (ID)

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Ireland Bank
GeneralFDIC 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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)95
Total assets$212,178
Cash and due from depository institutions$7,473
Interest-bearing balances$5,535
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$136,797
Loan loss allowance $1,456
Trading account assets$0
Bank premises and fixed assets$1,641
Other real estate owned$3,032
Goodwill and other intangibles$222
All other assets$7,520
Life insurance assets$212,178
Total liabilities and capital$192,919
Total liabilities$187,258
Total deposits$132,979
Interest-bearing deposits$187,258
Deposits held in domestic offices$95
% insured (estimated)993.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$3,482
Other borrowed funds $0
Subordinated debt $1,186
All other liabilities $19,259
Total equity capital$19,259
Total bank equity capital$19,259
Perpetual preferred stock$0
Common stock$705
Undivided profits $12,187
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 $4,415
Earning assets $0
Long-term assets (5+ years) $1,661
Average Assets, year-to-date $197,825
Average Assets, quarterly $78,410
Volatile liabilities $210,808
Insider loans $210,643
FHLB advances $152,786
Loans and leases held for sale $214,809
Unused loan commitments $3,339
Tier 1 (core) risk-based capital $1,980
Tier 2 risk-based capital $18,660
Total risk weighted assets $0
Total unused commitments $1,359
Restructured Loans and leases $21,695
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,315
Total interest expense $1,400
Net interest income $8,915
Provision for loan and lease losses $1,257
Total noninterest income $1,178
Fiduciary activities $0
Service charges on deposit accounts $662
Trading account gains & fees $0
Additional noninterest income $516
Total noninterest expense $8,972
Salaries and employee benefits $4,570
Premises and equipment expense $1,507
Additional noninterest expense $2,895
Pre-tax net operating income -$136
Securities gains (losses) $4
Applicable income taxes -$436
Income before extraordinary items $304
Extraordinary gains - net $0
Net income attributable to bank $304
Net charge-offs $0
Cash dividends $304
Sale, conversion, retirement of capital stock, net $1,605
Net operating income $287
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.23%
Cost of funding earning assets 0.71%
Net interest margin 4.52%
Noninterest income to earning assets 0.60%
Noninterest expense to earning assets 4.55%
Net operating income to assets 0.14%
Return on assets (ROA) 0.14%
Pretax return on assets -0.06%
Return on equity (ROE) 1.61%
Retained earnings to average equity (YTD only) 0.09%
Net charge-offs to loans 1.12%
Credit loss provision to net charge-offs 78.32%
Efficiency ratio0.70%
Assets per employee$88,893
Cash dividends to net income (YTD only)2.23%
Condition Ratios (%)
Loss allowance to loans 94.41%
Loss allowance to noncurrent loans 1.05%
Noncurrent assets plus other real estate owned to assets 32.98%
Noncurrent loans to loans 3.51%
Net loans and leases to deposits3.19%
Net loans and leases to core deposits 73.05%
Equity capital to assets 76.75%
Core capital (leverage) ratio 9.08%
Tier 1 risk-based capital ratio 8.69%
Total risk-based capital ratio 12.21%
Average assets$13
Average earning assets$210,808
Average equity $18,889
Average loans $197,392
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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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