Panhandle State Bank in Sandpoint, Idaho (ID), WA, OR



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Panhandle State Bank
GeneralFDIC Certificate #: 23415
Status: Active
Federal Reserve ID: 257868
Bank Holding Company (Regulatory Top Holder): Intermountain Community Bancorp (RSSDID: 2634490, Location: Sandpoint, ID)
Date Established: May 18, 1981
WWW: http://www.panhandlebank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 22 (Domestic: 22, Interstate: Yes)
FDIC's unique #: 16413
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: May 18, 1981
Last Structure Change Effective Date: July 09, 2009
Last Structure Change Process Date: July 09, 2009
Last Data Update: July 09, 2009
Data Source Date: April 05, 2012
LocationAddress: 414 Church Street, Sandpoint, ID 83864
County: Bonner
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: $936.3 mil
Equity capital: $84.8 mil
Deposits held in domestic offices: $731.7 mil
Return on assets (ROA): 0.14% ($1.3 mil)
Quarterly return on assets: 0.73% ($6.8 mil)
Return on Equity (ROE): 1.60% ($1.4 mil)
Quarterly return on equity: 8.09% ($6.9 mil)
Net income: $1.3 mil
Quarterly Net income: $1.7 mil
Pretax return on assets: 0.12% ($1,123.6 mil)
Quarterly Pretax return on assets: 0.66% ($6,179.6 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)269
Total assets$936,301
Cash and due from depository institutions$109,435
Interest-bearing balances$82,242
Securities$235,182
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$509,811
Loan loss allowance $12,690
Trading account assets$0
Bank premises and fixed assets$37,377
Other real estate owned$6,650
Goodwill and other intangibles$189
All other assets$37,657
Life insurance assets$936,301
Total liabilities and capital$851,518
Total liabilities$731,678
Total deposits$539,298
Interest-bearing deposits$731,678
Deposits held in domestic offices$77
% insured (estimated)85104.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$29,000
Other borrowed funds $0
Subordinated debt $5,736
All other liabilities $84,783
Total equity capital$84,783
Total bank equity capital$84,783
Perpetual preferred stock$0
Common stock$2,668
Surplus$91,863
Undivided profits $-9,748
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $5,561
Income earned, not collected on loans $9,296
Earning assets $2,196
Long-term assets (5+ years) $4,100
Average Assets, year-to-date $827,235
Average Assets, quarterly $265,812
Volatile liabilities $961,959
Insider loans $931,676
FHLB advances $594,049
Loans and leases held for sale $918,086
Unused loan commitments $9,127
Tier 1 (core) risk-based capital $6,845
Tier 2 risk-based capital $74,123
Total risk weighted assets $0
Total unused commitments $2,282
Restructured Loans and leases $156,184
Derivatives$1,644
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $41,915
Total interest expense $5,346
Net interest income $36,569
Provision for loan and lease losses $7,290
Total noninterest income $9,714
Fiduciary activities $579
Service charges on deposit accounts $2,419
Trading account gains & fees $0
Additional noninterest income $6,716
Total noninterest expense $37,821
Salaries and employee benefits $18,590
Premises and equipment expense $6,753
Additional noninterest expense $12,478
Pre-tax net operating income $1,172
Securities gains (losses) -$14
Applicable income taxes -$152
Income before extraordinary items $1,310
Extraordinary gains - net $0
Net income attributable to bank $1,310
Net charge-offs $0
Cash dividends $1,310
Sale, conversion, retirement of capital stock, net $7,055
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.87%
Cost of funding earning assets 0.62%
Net interest margin 4.25%
Noninterest income to earning assets 1.13%
Noninterest expense to earning assets 4.40%
Net operating income to assets 0.14%
Return on assets (ROA) 0.14%
Pretax return on assets 0.12%
Return on equity (ROE) 1.60%
Retained earnings to average equity (YTD only) 1.60%
Net charge-offs to loans 1.28%
Credit loss provision to net charge-offs 103.33%
Efficiency ratio1.20%
Assets per employee$81,453
Cash dividends to net income (YTD only)3.48%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.43%
Noncurrent assets plus other real estate owned to assets 136.51%
Noncurrent loans to loans 1.70%
Net loans and leases to deposits1.78%
Net loans and leases to core deposits 69.68%
Equity capital to assets 76.06%
Core capital (leverage) ratio 9.06%
Tier 1 risk-based capital ratio 8.07%
Total risk-based capital ratio 12.48%
Memoranda
Average assets$14
Average earning assets$961,959
Average equity $82,130
Average loans $860,332
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$68,061
Number of Accounts1
Personal trust and agency accounts$42,553
Employee benefit-defined contribution accounts$7,037
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$12,744
Investment management agency accounts$0
Other fiduciary accounts$22,772
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts321
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$12,744
Employee benefit-defined benefit accounts$0
Other retirement accounts$25,508
Corporate trust and agency accounts$2,378
Other fiduciary accounts$9,251
Fiduciary accounts held in foreign offices$4,020
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19 Idaho Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
016413Panhandle State Bank414 Church Street, Sandpoint, ID 83864May 18, 1981Full Service Brick and Mortar
1256316Ponderay Branch300 Kootenai Cut Off Road, Ponderay, ID 83852Febuary 16, 1996Full Service Brick and Mortar
2256317Bonners Ferry Branch6750 Main, Bonners Ferry, ID 83805October 01, 1993Full Service Brick and Mortar
4256319Priest River Branch6568 Hwy 2, Priest River, ID 83856December 08, 1997Full Service Brick and Mortar
5357462Payette Branch175 N. 16th Street, Payette, ID 83661September 20, 1999Full Service Brick and Mortar
6357463Weiser Branch440 E. Main Street, Weiser, ID 83672June 19, 2000Full Service Brick and Mortar
7359602Rathdrum Branch662 Commercial Park Avenue, Rathdrum, ID 83858March 10, 2001Full Service Brick and Mortar
8360403Coeur D'alene Branch200 W. Neider Avenue, Coeur D Alene, ID 83814June 04, 2001Full Service Brick and Mortar
9362308Nampa Branch521 12th Avenue, South, Nampa, ID 83651September 11, 2001Full Service Brick and Mortar
10365043Caldwell Branch506 S 10th Avenue, Caldwell, ID 83606Febuary 04, 2002Full Service Brick and Mortar
12419784Post Falls Branch3235 E Mullan Ave, Post Falls, ID 83854March 12, 2003Full Service Brick and Mortar
1459062Twin Falls Magic Valley Branch113 Main Avenue West, Twin Falls, ID 83301August 29, 1997Full Service Brick and Mortar
15290689Courier Service Branch222 Shoshone Street East, Twin Falls, ID 83301Febuary 05, 1998Limited Service Messenger
16294914Gooding Branch746 Main Street, Gooding, ID 83330April 10, 2000Full Service Brick and Mortar
19450581Kellogg Branch302 W. Cameron Avenue, Kellogg, ID 83837March 31, 2006Full Service Brick and Mortar
21466634Canyon Rim Branch1715 Poleline Road East, Twin Falls, ID 83301September 12, 2006Full Service Brick and Mortar
22466635Fruitland Branch1710 North Whitley Drive Suite A, Fruitland, ID 83619May 08, 2006Full Service Brick and Mortar
23466790Trust And Wealth Branch200 W Neider Ave, Coeur D Alene, ID 83815April 01, 2006Limited Service Trust
24476983Sand Point Branch231 N. Third Ave, Sandpoint, ID 83864May 12, 2008Limited Service Facility
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1 Oregon Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
1144843Ontario Branch98 South Oregon Street, Ontario, OR 97914January 01, 1979Full Service Brick and Mortar
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2 Washington Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
18442958Spokane Valley Branch5211 E. Spraque, Spokane Valley, WA 99212June 13, 2005Full Service Brick and Mortar
20451166Downtown Spokane Branch801 W. Riverside, Suite 400, Spokane, WA 99201May 11, 2006Full Service Brick and Mortar
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