Tri-State Bank in Montpelier, Idaho (ID)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 15, 1997

Tri-State Bank in Montpelier, Idaho (ID)
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Tri-State Bank - Overview

General
FDIC Certificate #: 18873
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Zions First National Bank (#2270)
Federal Reserve ID: 308265
Date Established: September 06, 1963
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 12725
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: September 06, 1963
Last Structure Change Effective Date: August 15, 1997
Last Structure Change Process Date: September 02, 1997
Last Data Update: September 02, 1997
Data Source Date: April 05, 2012
Location
Address: 902 Washington Street, Montpelier, ID 83254
County: Bear Lake
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: $25.6 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$15Total assets
$24,409Cash and due from depository institutions
$6,759Interest-bearing balances
$5,309Securities
$4,397Federal funds sold & reverse repurchase agreements
$2,500Net loans & leases
$10,281Loan loss allowance
$399Trading account assets
$0Bank premises and fixed assets
$250Other real estate owned
$0Goodwill and other intangibles
$222Life insurance assets
$0All other assets
$0Total liabilities and capital
$24,409Total liabilities
$21,634Total deposits
$21,531Interest-bearing deposits
$18,273Deposits held in domestic offices
21531.00%% insured (estimated)
$96Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$103Total equity capital
$103Total bank equity capital
$2,775Perpetual preferred stock
$0Common stock
$330Surplus
$1,000Undivided profits
Memoranda
$1,445Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$27Income earned, not collected on loans
$134Earning assets
$22,487Long-term assets (5+ years)
$1,786Average Assets, year-to-date
$22,285Average Assets, quarterly
$23,673Volatile liabilities
$607Insider loans
$23FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$857Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,775Total risk weighted assets
$12,236Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$1,728Total interest expense
$758Net interest income
$970Provision for loan and lease losses
$0Total noninterest income
$165Fiduciary activities
$0Service charges on deposit accounts
$130Trading account gains & fees
$0Additional noninterest income
$35Total noninterest expense
$589Salaries and employee benefits
$344Premises and equipment expense
$63Additional noninterest expense
$182Pre-tax net operating income
$546Securities gains (losses)
$0Applicable income taxes
$139Income before extraordinary items
$407Extraordinary gains - net
$0Net income attributable to bank
$407Net charge-offs
$5Cash dividends
$79Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.36%Cost of funding earning assets
3.67%Net interest margin
4.69%Noninterest income to earning assets
0.80%Noninterest expense to earning assets
2.85%Net operating income to assets
1.83%Return on assets (ROA)
1.83%Pretax return on assets
2.45%Return on equity (ROE)
15.39%Retained earnings to average equity (YTD only)
12.40%Net charge-offs to loans
0.05%Credit loss provision to net charge-offs
0.00%Efficiency ratio
51,894Assets per employee
1.63%Cash dividends to net income (YTD only)
Condition Ratios (%)
19.41%Loss allowance to loans
3.74%Loss allowance to noncurrent loans
1477.78%Noncurrent assets plus other real estate owned to assets
0.11%Noncurrent loans to loans
0.25%Net loans and leases to deposits
47.75%Net loans and leases to core deposits
49.13%Equity capital to assets
11.37%Core capital (leverage) ratio
11.78%Tier 1 risk-based capital ratio
22.68%Total risk-based capital ratio
Memoranda
$24Average assets
$22,285Average earning assets
$2,645Average equity
$20,681Average loans

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