Lewiston State Bank in Lewiston, Utah (UT), ID

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Lewiston State Bank
GeneralFDIC 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
LocationAddress: 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 ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal 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)
Total employees (full-time equivalent)58
Total assets$244,524
Cash and due from depository institutions$4,504
Interest-bearing balances$2,898
Federal funds sold & reverse repurchase agreements$1,764
Net loans & leases$173,321
Loan loss allowance $4,021
Trading account assets$0
Bank premises and fixed assets$2,870
Other real estate owned$2,466
Goodwill and other intangibles$0
All other assets$10,604
Life insurance assets$244,524
Total liabilities and capital$217,299
Total liabilities$211,504
Total deposits$181,050
Interest-bearing deposits$211,504
Deposits held in domestic offices$94
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$4,000
Other borrowed funds $0
Subordinated debt $1,795
All other liabilities $27,225
Total equity capital$27,225
Total bank equity capital$27,225
Perpetual preferred stock$0
Common stock$2,610
Undivided profits $19,955
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 $3,748
Earning assets $0
Long-term assets (5+ years) $1,416
Average Assets, year-to-date $226,978
Average Assets, quarterly $63,178
Volatile liabilities $238,556
Insider loans $242,335
FHLB advances $196,058
Loans and leases held for sale $243,793
Unused loan commitments $6,072
Tier 1 (core) risk-based capital $3,510
Tier 2 risk-based capital $26,225
Total risk weighted assets $0
Total unused commitments $2,562
Restructured Loans and leases $37,810
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $12,496
Total interest expense $2,050
Net interest income $10,446
Provision for loan and lease losses $2,020
Total noninterest income $1,065
Fiduciary activities $0
Service charges on deposit accounts $299
Trading account gains & fees $0
Additional noninterest income $766
Total noninterest expense $6,879
Salaries and employee benefits $3,608
Premises and equipment expense $1,355
Additional noninterest expense $1,916
Pre-tax net operating income $2,612
Securities gains (losses) $75
Applicable income taxes $769
Income before extraordinary items $1,918
Extraordinary gains - net $0
Net income attributable to bank $1,918
Net charge-offs $0
Cash dividends $1,918
Sale, conversion, retirement of capital stock, net $2,513
Net operating income $402
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.63%
Cost of funding earning assets 0.92%
Net interest margin 4.71%
Noninterest income to earning assets 0.48%
Noninterest expense to earning assets 3.10%
Net operating income to assets 0.78%
Return on assets (ROA) 0.80%
Pretax return on assets 1.13%
Return on equity (ROE) 7.30%
Retained earnings to average equity (YTD only) 5.77%
Net charge-offs to loans 1.44%
Credit loss provision to net charge-offs 80.38%
Efficiency ratio1.84%
Assets per employee$59,760
Cash dividends to net income (YTD only)4.22%
Condition Ratios (%)
Loss allowance to loans 20.96%
Loss allowance to noncurrent loans 2.27%
Noncurrent assets plus other real estate owned to assets 107.28%
Noncurrent loans to loans 2.54%
Net loans and leases to deposits2.11%
Net loans and leases to core deposits 81.95%
Equity capital to assets 86.71%
Core capital (leverage) ratio 11.13%
Tier 1 risk-based capital ratio 10.76%
Total risk-based capital ratio 13.38%
Average assets$15
Average earning assets$238,556
Average equity $26,268
Average loans $221,995
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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
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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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