The Bank of Commerce in Ammon, Idaho (ID)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The Bank of Commerce in Ammon, Idaho (ID)
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The Bank of Commerce - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Summary
  • Total 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
  • 185Total employees (full-time equivalent)
  • $832,877Total assets
  • $156,541Cash and due from depository institutions
  • $129,541Interest-bearing balances
  • $144,596Securities
  • $63,901Federal funds sold & reverse repurchase agreements
  • $438,894Net loans & leases
  • $6,724Loan loss allowance
  • $0Trading account assets
  • $13,926Bank premises and fixed assets
  • $6,881Other real estate owned
  • $0Goodwill and other intangibles
  • $832,877Life insurance assets
  • $8,138All other assets
  • $701,638Total liabilities and capital
  • $698,550Total liabilities
  • $485,376Total deposits
  • $698,550Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $3,088Subordinated debt
  • $131,239All other liabilities
  • $131,239Total equity capital
  • $131,239Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $29,200Surplus
  • $101,039Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $16,588Income earned, not collected on loans
  • $0Earning assets
  • $4,385Long-term assets (5+ years)
  • $776,932Average Assets, year-to-date
  • $87,077Average Assets, quarterly
  • $790,836Volatile liabilities
  • $816,267Insider loans
  • $550,393FHLB advances
  • $810,502Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $128,680Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $153,656Restructured Loans and leases
  • $19,025Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $33,160Total interest income
  • $4,083Total interest expense
  • $29,077Net interest income
  • $7,817Provision for loan and lease losses
  • $2,185Total noninterest income
  • $203Fiduciary activities
  • $1,824Service charges on deposit accounts
  • $0Trading account gains & fees
  • $158Additional noninterest income
  • $16,668Total noninterest expense
  • $10,294Salaries and employee benefits
  • $1,876Premises and equipment expense
  • $4,498Additional noninterest expense
  • $6,777Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,447Applicable income taxes
  • $5,330Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,330Net income attributable to bank
  • $0Net charge-offs
  • $5,330Cash dividends
  • $7,794Sale, conversion, retirement of capital stock, net
  • $2,600Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.49%Yield on earning assets
  • 0.55%Cost of funding earning assets
  • 3.94%Net interest margin
  • 0.30%Noninterest income to earning assets
  • 2.26%Noninterest expense to earning assets
  • 0.67%Net operating income to assets
  • 0.67%Return on assets (ROA)
  • 0.86%Pretax return on assets
  • 4.11%Return on equity (ROE)
  • 2.10%Retained earnings to average equity (YTD only)
  • 1.72%Net charge-offs to loans
  • 100.30%Credit loss provision to net charge-offs
  • 1.87%Efficiency ratio
  • 53,317Assets per employee
  • 4.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 48.78%Loss allowance to loans
  • 1.51%Loss allowance to noncurrent loans
  • 40.54%Noncurrent assets plus other real estate owned to assets
  • 2.82%Noncurrent loans to loans
  • 3.72%Net loans and leases to deposits
  • 62.83%Net loans and leases to core deposits
  • 72.40%Equity capital to assets
  • 15.76%Core capital (leverage) ratio
  • 15.88%Tier 1 risk-based capital ratio
  • 23.38%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $790,836Average earning assets
  • $129,739Average equity
  • $738,920Average 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
  • $25,221Managed Assets
  • 1Number of Accounts
  • $22,060Personal trust and agency accounts
  • $11,115Employee benefit-defined contribution accounts
  • $10,945Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 90Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $3,161Other retirement accounts
  • $27Corporate trust and agency accounts
  • $1,649Other fiduciary accounts
  • $587Fiduciary accounts held in foreign offices

List of branches

  • 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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