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

  • Twin River National Bank in Clarkston, Washington (WA), ID
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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
    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
  • NoIDNameAddressEstablishedService TypeMap
    1255764Lewiston Branch1507 G Street, Lewiston, ID 83501July 31, 1995Full Service Brick and Mortar
    3478824Orchards Branch3330 10th Street, Lewiston, ID 83501May 05, 2008Full Service Brick and Mortar
  • 2 Washington Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016094Twin River National Bank900 5th Street, Clarkston, WA 99403November 15, 1979Full Service Brick and Mortar
    2255765Asotin Branch201 2nd Street, Asotin, WA 99402July 16, 1997Full Service Brick and Mortar

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