Pend Oreille Bank in Ponderay, Idaho (ID)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 16, 2003

  • Pend Oreille Bank in Ponderay, Idaho (ID)
  • Show street view No street view available for this location

Pend Oreille Bank - Overview

  • General
  • FDIC Certificate #: 23745
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Mountain West Bank (#33844)
    Federal Reserve ID: 489678
    Date Established: Febuary 08, 1982
    WWW: http://www.pobank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    OTS Docket #: 12498
    FDIC's unique #: 16600
    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: Febuary 08, 1982
    Last Structure Change Effective Date: July 16, 2003
    Last Structure Change Process Date: October 29, 2003
    Last Data Update: October 29, 2003
    Data Source Date: April 05, 2012
  • Location
  • Address: 476655 Highway 95 North, Ponderay, ID 83852
    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: $66.5 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, 2002)

  • Dollar figures in thousands
  • 27Total employees (full-time equivalent)
  • $65,212Total assets
  • $6,598Cash and due from depository institutions
  • $4,585Interest-bearing balances
  • $4,167Securities
  • $2,500Federal funds sold & reverse repurchase agreements
  • $50,045Net loans & leases
  • $750Loan loss allowance
  • $0Trading account assets
  • $686Bank premises and fixed assets
  • $45Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,171All other assets
  • $65,212Total liabilities and capital
  • $59,716Total liabilities
  • $56,902Total deposits
  • $47,205Interest-bearing deposits
  • $56,902Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $2,500Other borrowed funds
  • $0Subordinated debt
  • $314All other liabilities
  • $5,496Total equity capital
  • $5,496Total bank equity capital
  • $5,496Perpetual preferred stock
  • $0Common stock
  • $23Surplus
  • $3,827Undivided profits
  • Memoranda
  • $1,646Noncurrent loans and leases
  • $7,732Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $186Earning assets
  • $0Long-term assets (5+ years)
  • $324Average Assets, year-to-date
  • $61,297Average Assets, quarterly
  • $10,719Volatile liabilities
  • $63,746Insider loans
  • $65,783FHLB advances
  • $7,878Loans and leases held for sale
  • $1,294Unused loan commitments
  • $2,500Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $7,732Total unused commitments
  • $0Restructured Loans and leases
  • $736Derivatives

Income and Expense (December 31, 2002)

  • Dollar figures in thousands
  • $4,326Total interest income
  • $1,441Total interest expense
  • $2,885Net interest income
  • $109Provision for loan and lease losses
  • $326Total noninterest income
  • $0Fiduciary activities
  • $219Service charges on deposit accounts
  • $0Trading account gains & fees
  • $107Additional noninterest income
  • $2,364Total noninterest expense
  • $1,296Salaries and employee benefits
  • $370Premises and equipment expense
  • $698Additional noninterest expense
  • $738Pre-tax net operating income
  • $0Securities gains (losses)
  • $182Applicable income taxes
  • $556Income before extraordinary items
  • $0Extraordinary gains - net
  • $556Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $145Sale, conversion, retirement of capital stock, net
  • $168Net operating income

Performance and Condition Ratios (December 31, 2002)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.25%Yield on earning assets
  • 2.42%Cost of funding earning assets
  • 4.84%Net interest margin
  • 0.55%Noninterest income to earning assets
  • 3.96%Noninterest expense to earning assets
  • 0.87%Net operating income to assets
  • 0.87%Return on assets (ROA)
  • 1.16%Pretax return on assets
  • 10.46%Return on equity (ROE)
  • 7.30%Retained earnings to average equity (YTD only)
  • 0.29%Net charge-offs to loans
  • 75.17%Credit loss provision to net charge-offs
  • 5.84%Efficiency ratio
  • 73,622Assets per employee
  • 2.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 30.22%Loss allowance to loans
  • 1.48%Loss allowance to noncurrent loans
  • 403.23%Noncurrent assets plus other real estate owned to assets
  • 0.35%Noncurrent loans to loans
  • 0.37%Net loans and leases to deposits
  • 87.95%Net loans and leases to core deposits
  • 99.05%Equity capital to assets
  • 8.43%Core capital (leverage) ratio
  • 8.18%Tier 1 risk-based capital ratio
  • 9.27%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $63,746Average earning assets
  • $5,315Average equity
  • $59,650Average loans

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