Panhandle State Bank in Sandpoint, Idaho (ID), WA, OR
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| Panhandle State Bank | |
|---|---|
| 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) |
| 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 |
| 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 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.87% |
| 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 ratio | 1.20% |
| 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 deposits | 1.78% |
| 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 |
| 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 Accounts | 1 |
| Fiduciary powers granted | Yes |
| Fiduciary or related activity | Yes |
| Managed Assets | $68,061 |
| Number of Accounts | 1 |
| 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 Accounts | 321 |
| 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 |
| 19 Idaho Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 16413 | Panhandle State Bank | 414 Church Street, Sandpoint, ID 83864 | May 18, 1981 | Full Service Brick and Mortar |  |
| 1 | 256316 | Ponderay Branch | 300 Kootenai Cut Off Road, Ponderay, ID 83852 | Febuary 16, 1996 | Full Service Brick and Mortar |  |
| 2 | 256317 | Bonners Ferry Branch | 6750 Main, Bonners Ferry, ID 83805 | October 01, 1993 | Full Service Brick and Mortar | |
| 4 | 256319 | Priest River Branch | 6568 Hwy 2, Priest River, ID 83856 | December 08, 1997 | Full Service Brick and Mortar | |
| 5 | 357462 | Payette Branch | 175 N. 16th Street, Payette, ID 83661 | September 20, 1999 | Full Service Brick and Mortar | |
| 6 | 357463 | Weiser Branch | 440 E. Main Street, Weiser, ID 83672 | June 19, 2000 | Full Service Brick and Mortar | |
| 7 | 359602 | Rathdrum Branch | 662 Commercial Park Avenue, Rathdrum, ID 83858 | March 10, 2001 | Full Service Brick and Mortar | |
| 8 | 360403 | Coeur D'alene Branch | 200 W. Neider Avenue, Coeur D Alene, ID 83814 | June 04, 2001 | Full Service Brick and Mortar | |
| 9 | 362308 | Nampa Branch | 521 12th Avenue, South, Nampa, ID 83651 | September 11, 2001 | Full Service Brick and Mortar | |
| 10 | 365043 | Caldwell Branch | 506 S 10th Avenue, Caldwell, ID 83606 | Febuary 04, 2002 | Full Service Brick and Mortar | |
| 12 | 419784 | Post Falls Branch | 3235 E Mullan Ave, Post Falls, ID 83854 | March 12, 2003 | Full Service Brick and Mortar | |
| 14 | 59062 | Twin Falls Magic Valley Branch | 113 Main Avenue West, Twin Falls, ID 83301 | August 29, 1997 | Full Service Brick and Mortar | |
| 15 | 290689 | Courier Service Branch | 222 Shoshone Street East, Twin Falls, ID 83301 | Febuary 05, 1998 | Limited Service Messenger | |
| 16 | 294914 | Gooding Branch | 746 Main Street, Gooding, ID 83330 | April 10, 2000 | Full Service Brick and Mortar | |
| 19 | 450581 | Kellogg Branch | 302 W. Cameron Avenue, Kellogg, ID 83837 | March 31, 2006 | Full Service Brick and Mortar | |
| 21 | 466634 | Canyon Rim Branch | 1715 Poleline Road East, Twin Falls, ID 83301 | September 12, 2006 | Full Service Brick and Mortar | |
| 22 | 466635 | Fruitland Branch | 1710 North Whitley Drive Suite A, Fruitland, ID 83619 | May 08, 2006 | Full Service Brick and Mortar | |
| 23 | 466790 | Trust And Wealth Branch | 200 W Neider Ave, Coeur D Alene, ID 83815 | April 01, 2006 | Limited Service Trust | |
| 24 | 476983 | Sand Point Branch | 231 N. Third Ave, Sandpoint, ID 83864 | May 12, 2008 | Limited Service Facility | |
| 1 Oregon Branch as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 11 | 44843 | Ontario Branch | 98 South Oregon Street, Ontario, OR 97914 | January 01, 1979 | Full Service Brick and Mortar | |
| 2 Washington Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 18 | 442958 | Spokane Valley Branch | 5211 E. Spraque, Spokane Valley, WA 99212 | June 13, 2005 | Full Service Brick and Mortar | |
| 20 | 451166 | Downtown Spokane Branch | 801 W. Riverside, Suite 400, Spokane, WA 99201 | May 11, 2006 | Full Service Brick and Mortar | |
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BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.