The Bank of Commerce in Ammon, Idaho (ID)

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The Bank of Commerce
GeneralFDIC Certificate #: 18059
Status: Active
Federal Reserve ID: 324863
Date Established: August 01, 1959
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 16 (Domestic: 16, Interstate: No)
OTS Docket #: 15746
FDIC's unique #: 11983
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: August 01, 1959
Last Structure Change Effective Date: July 08, 2009
Last Structure Change Process Date: July 08, 2009
Last Data Update: July 08, 2009
Data Source Date: April 05, 2012
LocationAddress: 3113 South 25th East, Ammon, ID 83406
County: Bonneville
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
Combined Statistical Area (CSA): Idaho Falls-Blackfoot, ID (#292)
Core Based Statistical Area (CBSA): Idaho Falls, ID (#26820)
CBSA Metro Statistical Area: Idaho Falls, ID (#26820)
Financial SummaryTotal assets: $832.9 mil
Equity capital: $131.2 mil
Deposits held in domestic offices: $698.5 mil
Return on assets (ROA): 0.67% ($5.6 mil)
Quarterly return on assets: 0.57% ($4.7 mil)
Return on Equity (ROE): 4.11% ($5.4 mil)
Quarterly return on equity: 3.51% ($4.6 mil)
Net income: $5.3 mil
Quarterly Net income: $1.2 mil
Pretax return on assets: 0.86% ($7,162.7 mil)
Quarterly Pretax return on assets: 0.92% ($7,662.5 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, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)185
Total assets$832,877
Cash and due from depository institutions$156,541
Interest-bearing balances$129,541
Federal funds sold & reverse repurchase agreements$63,901
Net loans & leases$438,894
Loan loss allowance $6,724
Trading account assets$0
Bank premises and fixed assets$13,926
Other real estate owned$6,881
Goodwill and other intangibles$0
All other assets$8,138
Life insurance assets$832,877
Total liabilities and capital$701,638
Total liabilities$698,550
Total deposits$485,376
Interest-bearing deposits$698,550
Deposits held in domestic offices$83
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $3,088
All other liabilities $131,239
Total equity capital$131,239
Total bank equity capital$131,239
Perpetual preferred stock$0
Common stock$1,000
Undivided profits $101,039
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $16,588
Earning assets $0
Long-term assets (5+ years) $4,385
Average Assets, year-to-date $776,932
Average Assets, quarterly $87,077
Volatile liabilities $790,836
Insider loans $816,267
FHLB advances $550,393
Loans and leases held for sale $810,502
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $128,680
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $153,656
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $33,160
Total interest expense $4,083
Net interest income $29,077
Provision for loan and lease losses $7,817
Total noninterest income $2,185
Fiduciary activities $203
Service charges on deposit accounts $1,824
Trading account gains & fees $0
Additional noninterest income $158
Total noninterest expense $16,668
Salaries and employee benefits $10,294
Premises and equipment expense $1,876
Additional noninterest expense $4,498
Pre-tax net operating income $6,777
Securities gains (losses) $0
Applicable income taxes $1,447
Income before extraordinary items $5,330
Extraordinary gains - net $0
Net income attributable to bank $5,330
Net charge-offs $0
Cash dividends $5,330
Sale, conversion, retirement of capital stock, net $7,794
Net operating income $2,600
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.49%
Cost of funding earning assets 0.55%
Net interest margin 3.94%
Noninterest income to earning assets 0.30%
Noninterest expense to earning assets 2.26%
Net operating income to assets 0.67%
Return on assets (ROA) 0.67%
Pretax return on assets 0.86%
Return on equity (ROE) 4.11%
Retained earnings to average equity (YTD only) 2.10%
Net charge-offs to loans 1.72%
Credit loss provision to net charge-offs 100.30%
Efficiency ratio1.87%
Assets per employee$53,317
Cash dividends to net income (YTD only)4.50%
Condition Ratios (%)
Loss allowance to loans 48.78%
Loss allowance to noncurrent loans 1.51%
Noncurrent assets plus other real estate owned to assets 40.54%
Noncurrent loans to loans 2.82%
Net loans and leases to deposits3.72%
Net loans and leases to core deposits 62.83%
Equity capital to assets 72.40%
Core capital (leverage) ratio 15.76%
Tier 1 risk-based capital ratio 15.88%
Total risk-based capital ratio 23.38%
Average assets$25
Average earning assets$790,836
Average equity $129,739
Average loans $738,920
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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$25,221
Number of Accounts1
Personal trust and agency accounts$22,060
Employee benefit-defined contribution accounts$11,115
Employee benefit-defined benefit accounts$10,945
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts90
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$3,161
Corporate trust and agency accounts$27
Other fiduciary accounts$1,649
Fiduciary accounts held in foreign offices$587
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16 Idaho Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
011983The Bank Of Commerce3113 South 25th East, Ammon, ID 83406August 01, 1959Full Service Brick and Mortar
1243782Downtown Branch375 Yellowstone Ave, Idaho Falls, ID 83402October 05, 1964Full Service Brick and Mortar
2243783Eastside Branch1770 E 17th St, Idaho Falls, ID 83404November 15, 1973Full Service Brick and Mortar
3243784Shelley Branch270 S Emerson Ave, Shelley, ID 83274November 22, 1976Full Service Brick and Mortar
4243785Westside Branch1730 W Broadway St, Idaho Falls, ID 83402March 20, 1981Full Service Brick and Mortar
5243786Ririe Branch386 Main St, Ririe, ID 83443October 24, 1983Full Service Brick and Mortar
11252775Arco Branch120 W Grand Ave, Arco, ID 83213August 12, 1981Full Service Brick and Mortar
12252776Mud Lake Branch1098 E 1500 N, Terreton, ID 83450December 24, 1984Full Service Brick and Mortar
13243791Rexburg Branch184 E 2nd N, Rexburg, ID 83440April 23, 1990Full Service Brick and Mortar
14243792Driggs Branch65 E Wallace Ave, Driggs, ID 83422April 23, 1990Full Service Brick and Mortar
15243793Blackfoot Branch624 Jensen Grove Drive, Blackfoot, Idaho, Blackfoot, ID 83221April 05, 1994Full Service Brick and Mortar
16243794American Falls Branch590 Tyhee Ave, American Falls, ID 83211June 02, 1997Full Service Brick and Mortar
18448855Northgate Branch1455 Northgate Mile, Idaho Falls, ID 83401December 05, 2005Full Service Brick and Mortar
19465566Rigby Branch463 Rigby Lake Dr, Rigby, ID 83442April 02, 2007Full Service Brick and Mortar
20493116Rexburg South Branch859 S Yellowstone Hwy Suite 2001, Rexburg, ID 83440January 12, 2009Full Service Brick and Mortar
21493117Pocatello Branch241 W Quinn Rd, Pocatello, ID 83201March 02, 2009Full Service Brick and Mortar
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