Panhandle State Bank in Sandpoint, Idaho (ID), WA, OR
Overview, Financial Summary, Detailed Financial Reports, Branches


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

  • General
  • FDIC 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
  • Location
  • Address: 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 Summary
  • Total 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
  • 269Total employees (full-time equivalent)
  • $936,301Total assets
  • $109,435Cash and due from depository institutions
  • $82,242Interest-bearing balances
  • $235,182Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $509,811Net loans & leases
  • $12,690Loan loss allowance
  • $0Trading account assets
  • $37,377Bank premises and fixed assets
  • $6,650Other real estate owned
  • $189Goodwill and other intangibles
  • $936,301Life insurance assets
  • $37,657All other assets
  • $851,518Total liabilities and capital
  • $731,678Total liabilities
  • $539,298Total deposits
  • $731,678Interest-bearing deposits
  • $77Deposits held in domestic offices
  • 85104.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $29,000Trading liabilities
  • $0Other borrowed funds
  • $5,736Subordinated debt
  • $84,783All other liabilities
  • $84,783Total equity capital
  • $84,783Total bank equity capital
  • $0Perpetual preferred stock
  • $2,668Common stock
  • $91,863Surplus
  • $-9,748Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $5,561Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $9,296Income earned, not collected on loans
  • $2,196Earning assets
  • $4,100Long-term assets (5+ years)
  • $827,235Average Assets, year-to-date
  • $265,812Average Assets, quarterly
  • $961,959Volatile liabilities
  • $931,676Insider loans
  • $594,049FHLB advances
  • $918,086Loans and leases held for sale
  • $9,127Unused loan commitments
  • $6,845Tier 1 (core) risk-based capital
  • $74,123Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,282Total unused commitments
  • $156,184Restructured Loans and leases
  • $1,644Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $41,915Total interest income
  • $5,346Total interest expense
  • $36,569Net interest income
  • $7,290Provision for loan and lease losses
  • $9,714Total noninterest income
  • $579Fiduciary activities
  • $2,419Service charges on deposit accounts
  • $0Trading account gains & fees
  • $6,716Additional noninterest income
  • $37,821Total noninterest expense
  • $18,590Salaries and employee benefits
  • $6,753Premises and equipment expense
  • $12,478Additional noninterest expense
  • $1,172Pre-tax net operating income
  • -$14Securities gains (losses)
  • -$152Applicable income taxes
  • $1,310Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,310Net income attributable to bank
  • $0Net charge-offs
  • $1,310Cash dividends
  • $7,055Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.87%Yield on earning assets
  • 0.62%Cost of funding earning assets
  • 4.25%Net interest margin
  • 1.13%Noninterest income to earning assets
  • 4.40%Noninterest expense to earning assets
  • 0.14%Net operating income to assets
  • 0.14%Return on assets (ROA)
  • 0.12%Pretax return on assets
  • 1.60%Return on equity (ROE)
  • 1.60%Retained earnings to average equity (YTD only)
  • 1.28%Net charge-offs to loans
  • 103.33%Credit loss provision to net charge-offs
  • 1.20%Efficiency ratio
  • 81,453Assets per employee
  • 3.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.43%Loss allowance to noncurrent loans
  • 136.51%Noncurrent assets plus other real estate owned to assets
  • 1.70%Noncurrent loans to loans
  • 1.78%Net loans and leases to deposits
  • 69.68%Net loans and leases to core deposits
  • 76.06%Equity capital to assets
  • 9.06%Core capital (leverage) ratio
  • 8.07%Tier 1 risk-based capital ratio
  • 12.48%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $961,959Average earning assets
  • $82,130Average equity
  • $860,332Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $68,061Managed Assets
  • 1Number of Accounts
  • $42,553Personal trust and agency accounts
  • $7,037Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $12,744Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $22,772Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 321Number of Accounts
  • $0Personal trust and agency accounts
  • $12,744Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $25,508Other retirement accounts
  • $2,378Corporate trust and agency accounts
  • $9,251Other fiduciary accounts
  • $4,020Fiduciary accounts held in foreign offices

List of branches

  • 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
  • 1 Oregon Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    1144843Ontario Branch98 South Oregon Street, Ontario, OR 97914January 01, 1979Full Service Brick and Mortar
  • 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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