Northern State Bank in Coeur D'alene, Idaho (ID)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 17, 1997

  • Northern State Bank in Coeur D'alene, Idaho (ID)
  • Show street view No street view available for this location

Northern State Bank - Overview

  • General
  • FDIC Certificate #: 22777
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Washington Trust Bank (#1281)
    Federal Reserve ID: 314668
    Date Established: January 02, 1979
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    FDIC's unique #: 15905
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 02, 1979
    Last Structure Change Effective Date: March 17, 1997
    Last Structure Change Process Date: April 02, 1997
    Last Data Update: April 02, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 218 Lakeside Street, Coeur D'alene, ID 83814
    County: Kootenai
    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
    Core Based Statistical Area (CBSA): Coeur d'Alene, ID (#17660)
    CBSA Metro Statistical Area: Coeur d'Alene, ID (#17660)
  • Financial Summary
  • Total assets: $104.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $40Total assets
  • $104,872Cash and due from depository institutions
  • $5,497Interest-bearing balances
  • $293Securities
  • $24,755Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $71,281Loan loss allowance
  • $1,261Trading account assets
  • $0Bank premises and fixed assets
  • $1,524Other real estate owned
  • $299Goodwill and other intangibles
  • $1,516Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $104,872Total liabilities
  • $96,040Total deposits
  • $93,560Interest-bearing deposits
  • $79,879Deposits held in domestic offices
  • 93560.00%% insured (estimated)
  • $88Federal funds purchased & repurchase agreements
  • $1,772Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $708Total equity capital
  • $708Total bank equity capital
  • $8,832Perpetual preferred stock
  • $0Common stock
  • $835Surplus
  • $4,165Undivided profits
  • Memoranda
  • $3,832Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $31Income earned, not collected on loans
  • $451Earning assets
  • $96,329Long-term assets (5+ years)
  • $2,404Average Assets, year-to-date
  • $101,810Average Assets, quarterly
  • $103,998Volatile liabilities
  • $14,121Insider loans
  • $782FHLB advances
  • $0Loans and leases held for sale
  • $418Unused loan commitments
  • $10,529Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $8,832Total risk weighted assets
  • $70,439Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $8,354Total interest expense
  • $4,167Net interest income
  • $4,187Provision for loan and lease losses
  • $102Total noninterest income
  • $458Fiduciary activities
  • $0Service charges on deposit accounts
  • $299Trading account gains & fees
  • $0Additional noninterest income
  • $159Total noninterest expense
  • $2,433Salaries and employee benefits
  • $1,274Premises and equipment expense
  • $431Additional noninterest expense
  • $728Pre-tax net operating income
  • $2,110Securities gains (losses)
  • $0Applicable income taxes
  • $743Income before extraordinary items
  • $1,367Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,367Net charge-offs
  • $45Cash dividends
  • $730Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.91%Cost of funding earning assets
  • 4.44%Net interest margin
  • 4.46%Noninterest income to earning assets
  • 0.49%Noninterest expense to earning assets
  • 2.59%Net operating income to assets
  • 1.34%Return on assets (ROA)
  • 1.34%Pretax return on assets
  • 2.07%Return on equity (ROE)
  • 15.90%Retained earnings to average equity (YTD only)
  • 7.41%Net charge-offs to loans
  • 0.07%Credit loss provision to net charge-offs
  • 226.67%Efficiency ratio
  • 52,379Assets per employee
  • 2.62%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 53.40%Loss allowance to loans
  • 1.74%Loss allowance to noncurrent loans
  • 4067.74%Noncurrent assets plus other real estate owned to assets
  • 0.31%Noncurrent loans to loans
  • 0.04%Net loans and leases to deposits
  • 76.19%Net loans and leases to core deposits
  • 87.77%Equity capital to assets
  • 8.42%Core capital (leverage) ratio
  • 8.65%Tier 1 risk-based capital ratio
  • 12.54%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $101,810Average earning assets
  • $8,596Average equity
  • $93,808Average loans

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