Twin River National Bank in city_name, state_name - Detailed Financial Reports, Location

Twin River National Bank in Clarkston, Washington (WA), ID
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Twin River National Bank routing number info

Twin River National Bank - Overview

General
FDIC Certificate #: 22993
Status: Active
Federal Reserve ID: 427960
Bank Holding Company (Regulatory Top Holder): Twin River Financial Corp. (RSSDID: 2081722, Location: Lewiston, ID)
Date Established: November 15, 1979
WWW: http://www.twinriverbank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 4 (Domestic: 4, Interstate: Yes)
FDIC's unique #: 16094
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: November 15, 1979
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 900 5th Street, Clarkston, WA 99403
County: Asotin
Quarterly Banking Profile Region: San Francisco
FDIC Geographic Region: San Francisco
FDIC Supervisory Region: San Francisco
FDIC Field Office: Seattle
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Lewiston, ID-WA (#30300)
CBSA Metro Statistical Area: Lewiston, ID-WA (#30300)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $72.3 mil
Equity capital: $6.1 mil
Deposits held in domestic offices: $66.1 mil
Return on assets (ROA): 0.70% ($0.5 mil)
Quarterly return on assets: 0.74% ($0.5 mil)
Return on Equity (ROE): 7.83% ($0.5 mil)
Quarterly return on equity: 8.58% ($0.5 mil)
Net income: $0.5 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.70% ($506.4 mil)
Quarterly Pretax return on assets: 0.74% ($535.3 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
29Total employees (full-time equivalent)
$72,342Total assets
$26,457Cash and due from depository institutions
$25,701Interest-bearing balances
$1,629Securities
$147Federal funds sold & reverse repurchase agreements
$41,602Net loans & leases
$430Loan loss allowance
$0Trading account assets
$1,442Bank premises and fixed assets
$609Other real estate owned
$0Goodwill and other intangibles
$72,342Life insurance assets
$456All other assets
$66,232Total liabilities and capital
$66,147Total liabilities
$51,574Total deposits
$66,147Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$85Subordinated debt
$6,110All other liabilities
$6,110Total equity capital
$6,110Total bank equity capital
$0Perpetual preferred stock
$850Common stock
$927Surplus
$4,333Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$676Income earned, not collected on loans
$0Earning assets
$201Long-term assets (5+ years)
$69,079Average Assets, year-to-date
$16,754Average Assets, quarterly
$67,067Volatile liabilities
$70,426Insider loans
$42,210FHLB advances
$70,712Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,105Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,526Restructured Loans and leases
$1,243Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$2,715Total interest income
$297Total interest expense
$2,418Net interest income
$34Provision for loan and lease losses
$261Total noninterest income
$0Fiduciary activities
$125Service charges on deposit accounts
$0Trading account gains & fees
$136Additional noninterest income
$2,176Total noninterest expense
$1,385Salaries and employee benefits
$230Premises and equipment expense
$561Additional noninterest expense
$469Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$469Income before extraordinary items
$0Extraordinary gains - net
$469Net income attributable to bank
$0Net charge-offs
$469Cash dividends
$3Sale, conversion, retirement of capital stock, net
$300Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.26%Yield on earning assets
0.47%Cost of funding earning assets
3.79%Net interest margin
0.41%Noninterest income to earning assets
3.41%Noninterest expense to earning assets
0.70%Net operating income to assets
0.70%Return on assets (ROA)
0.70%Pretax return on assets
7.83%Return on equity (ROE)
2.82%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
1133.33%Credit loss provision to net charge-offs
167.67%Efficiency ratio
81,224Assets per employee
2.49%Cash dividends to net income (YTD only)
Condition Ratios (%)
63.97%Loss allowance to loans
1.02%Loss allowance to noncurrent loans
63.61%Noncurrent assets plus other real estate owned to assets
1.78%Noncurrent loans to loans
1.61%Net loans and leases to deposits
62.89%Net loans and leases to core deposits
63.75%Equity capital to assets
8.45%Core capital (leverage) ratio
8.63%Tier 1 risk-based capital ratio
14.46%Total risk-based capital ratio
Memoranda
$15Average assets
$67,067Average earning assets
$5,992Average equity
$63,760Average loans

List of branches

2 Idaho Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
1	255764	Lewiston Branch	1507 G Street, Lewiston, ID 83501	July 31, 1995	Full Service Brick and Mortar
3	478824	Orchards Branch	3330 10th Street, Lewiston, ID 83501	May 05, 2008	Full Service Brick and Mortar

2 Washington Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	16094	Twin River National Bank	900 5th Street, Clarkston, WA 99403	November 15, 1979	Full Service Brick and Mortar
2	255765	Asotin Branch	201 2nd Street, Asotin, WA 99402	July 16, 1997	Full Service Brick and Mortar

Twin River National Bank in Clarkston, Washington (WA), ID
Overview, Financial Summary, Detailed Financial Reports, Branches

Twin River National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Twin River National Bank in Clarkston, Washington (WA), IDOverview, Financial Summary, Detailed Financial Reports, Branches

Twin River National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Twin River National Bank in Clarkston, Washington (WA), ID
Overview, Financial Summary, Detailed Financial Reports, Branches