The Idaho First Bank in Weiser, Idaho (ID)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 31, 1996

  • The Idaho First Bank in Weiser, Idaho (ID)
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The Idaho First Bank - Overview

  • General
  • FDIC Certificate #: 27522
    Status: Inactive
    Closing history: Change in Location
    Acquiring institution: Pacific One Bank (#34181)
    Federal Reserve ID: 1399185
    Date Established: June 01, 1989
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 40255
    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: June 01, 1989
    Last Structure Change Effective Date: May 31, 1996
    Last Structure Change Process Date: June 05, 1996
    Last Data Update: June 05, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 34 East Main Street, Weiser, ID 83672
    County: Washington
    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
  • History of Changes
  • Merger - Without Assistance
    Office Purchased
    Change in Location
  • Financial Summary
  • Total assets: $289.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $105Total assets
  • $292,168Cash and due from depository institutions
  • $1Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $277,909Loan loss allowance
  • $5,427Trading account assets
  • $0Bank premises and fixed assets
  • $482Other real estate owned
  • $0Goodwill and other intangibles
  • $13,776Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $292,168Total liabilities
  • $271,223Total deposits
  • $73,960Interest-bearing deposits
  • $21,469Deposits held in domestic offices
  • 73960.00%% insured (estimated)
  • $2Federal funds purchased & repurchase agreements
  • $187,600Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $5,500All other liabilities
  • $4,163Total equity capital
  • $4,163Total bank equity capital
  • $20,945Perpetual preferred stock
  • $0Common stock
  • $4,200Surplus
  • $8,600Undivided profits
  • Memoranda
  • $8,145Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,014Income earned, not collected on loans
  • $0Earning assets
  • $277,909Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $248,538Average Assets, quarterly
  • $270,719Volatile liabilities
  • $208,915Insider loans
  • $1,032FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,273,923Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $20,945Total risk weighted assets
  • $291,405Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $34,296Total interest expense
  • $13,183Net interest income
  • $21,113Provision for loan and lease losses
  • $9,570Total noninterest income
  • $30,665Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $30,665Total noninterest expense
  • $35,398Salaries and employee benefits
  • $4,431Premises and equipment expense
  • $2,280Additional noninterest expense
  • $28,687Pre-tax net operating income
  • $6,810Securities gains (losses)
  • $0Applicable income taxes
  • $2,743Income before extraordinary items
  • $4,067Extraordinary gains - net
  • $0Net income attributable to bank
  • $4,067Net charge-offs
  • $7,140Cash dividends
  • $4,245Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 14.22%Cost of funding earning assets
  • 5.46%Net interest margin
  • 8.75%Noninterest income to earning assets
  • 12.71%Noninterest expense to earning assets
  • 14.67%Net operating income to assets
  • 1.64%Return on assets (ROA)
  • 1.64%Pretax return on assets
  • 2.74%Return on equity (ROE)
  • 22.33%Retained earnings to average equity (YTD only)
  • -0.98%Net charge-offs to loans
  • 2.92%Credit loss provision to net charge-offs
  • 134.03%Efficiency ratio
  • 68,365Assets per employee
  • 2.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 104.38%Loss allowance to loans
  • 1.92%Loss allowance to noncurrent loans
  • 180.06%Noncurrent assets plus other real estate owned to assets
  • 1.03%Noncurrent loans to loans
  • 1.06%Net loans and leases to deposits
  • 375.76%Net loans and leases to core deposits
  • 527.89%Equity capital to assets
  • 7.17%Core capital (leverage) ratio
  • 8.09%Tier 1 risk-based capital ratio
  • 7.19%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $248,538Average earning assets
  • $18,215Average equity
  • $241,257Average loans

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