Lewiston State Bank in Lewiston, Utah (UT), ID
Overview, Financial Summary, Detailed Financial Reports, Branches

Lewiston State Bank - Overview

  • General
  • FDIC Certificate #: 9208
    Status: Active
    Federal Reserve ID: 869971
    Bank Holding Company (Regulatory Top Holder): Lewiston Bancorp (RSSDID: 2797537, Location: Lewiston, UT)
    Date Established: September 01, 1905
    WWW: http://www.ls-bank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: Yes)
    FDIC's unique #: 5896
    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: January 01, 1934
    Last Structure Change Effective Date: January 05, 2007
    Last Structure Change Process Date: Febuary 12, 2007
    Last Data Update: Febuary 12, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 17 East Center Street, Lewiston, UT 84320
    County: Cache
    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: West
    Core Based Statistical Area (CBSA): Logan, UT-ID (#30860)
    CBSA Metro Statistical Area: Logan, UT-ID (#30860)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $244.5 mil
    Equity capital: $27.2 mil
    Deposits held in domestic offices: $211.5 mil
    Return on assets (ROA): 0.80% ($2.0 mil)
    Quarterly return on assets: 0.36% ($0.9 mil)
    Return on Equity (ROE): 7.30% ($2.0 mil)
    Quarterly return on equity: 3.23% ($0.9 mil)
    Net income: $1.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.13% ($2,763.1 mil)
    Quarterly Pretax return on assets: 0.48% ($1,173.7 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
  • 58Total employees (full-time equivalent)
  • $244,524Total assets
  • $4,504Cash and due from depository institutions
  • $2,898Interest-bearing balances
  • $48,995Securities
  • $1,764Federal funds sold & reverse repurchase agreements
  • $173,321Net loans & leases
  • $4,021Loan loss allowance
  • $0Trading account assets
  • $2,870Bank premises and fixed assets
  • $2,466Other real estate owned
  • $0Goodwill and other intangibles
  • $244,524Life insurance assets
  • $10,604All other assets
  • $217,299Total liabilities and capital
  • $211,504Total liabilities
  • $181,050Total deposits
  • $211,504Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,000Trading liabilities
  • $0Other borrowed funds
  • $1,795Subordinated debt
  • $27,225All other liabilities
  • $27,225Total equity capital
  • $27,225Total bank equity capital
  • $0Perpetual preferred stock
  • $2,610Common stock
  • $4,660Surplus
  • $19,955Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,748Income earned, not collected on loans
  • $0Earning assets
  • $1,416Long-term assets (5+ years)
  • $226,978Average Assets, year-to-date
  • $63,178Average Assets, quarterly
  • $238,556Volatile liabilities
  • $242,335Insider loans
  • $196,058FHLB advances
  • $243,793Loans and leases held for sale
  • $6,072Unused loan commitments
  • $3,510Tier 1 (core) risk-based capital
  • $26,225Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,562Total unused commitments
  • $37,810Restructured Loans and leases
  • $1,091Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,496Total interest income
  • $2,050Total interest expense
  • $10,446Net interest income
  • $2,020Provision for loan and lease losses
  • $1,065Total noninterest income
  • $0Fiduciary activities
  • $299Service charges on deposit accounts
  • $0Trading account gains & fees
  • $766Additional noninterest income
  • $6,879Total noninterest expense
  • $3,608Salaries and employee benefits
  • $1,355Premises and equipment expense
  • $1,916Additional noninterest expense
  • $2,612Pre-tax net operating income
  • $75Securities gains (losses)
  • $769Applicable income taxes
  • $1,918Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,918Net income attributable to bank
  • $0Net charge-offs
  • $1,918Cash dividends
  • $2,513Sale, conversion, retirement of capital stock, net
  • $402Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.63%Yield on earning assets
  • 0.92%Cost of funding earning assets
  • 4.71%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 3.10%Noninterest expense to earning assets
  • 0.78%Net operating income to assets
  • 0.80%Return on assets (ROA)
  • 1.13%Pretax return on assets
  • 7.30%Return on equity (ROE)
  • 5.77%Retained earnings to average equity (YTD only)
  • 1.44%Net charge-offs to loans
  • 80.38%Credit loss provision to net charge-offs
  • 1.84%Efficiency ratio
  • 59,760Assets per employee
  • 4.22%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 20.96%Loss allowance to loans
  • 2.27%Loss allowance to noncurrent loans
  • 107.28%Noncurrent assets plus other real estate owned to assets
  • 2.54%Noncurrent loans to loans
  • 2.11%Net loans and leases to deposits
  • 81.95%Net loans and leases to core deposits
  • 86.71%Equity capital to assets
  • 11.13%Core capital (leverage) ratio
  • 10.76%Tier 1 risk-based capital ratio
  • 13.38%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $238,556Average earning assets
  • $26,268Average equity
  • $221,995Average loans

List of branches

  • 1 Idaho Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    282017Lewiston State Bank Branch217 South State, Preston, ID 83263October 02, 2000Full Service Brick and Mortar
  • 2 Utah Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05896Lewiston State Bank17 East Center Street, Lewiston, UT 84320September 01, 1905Full Service Brick and Mortar
    1219669North Logan Branch2190 North Main Street, North Logan, UT 84321May 16, 1996Full Service Brick and Mortar

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