bankcda in Coeur D Alene, Idaho (ID)
| bankcda | |
|---|---|
| General | FDIC Certificate #: 57074 Status: Active Federal Reserve ID: 3010363 Bank Holding Company (Regulatory Top Holder): Coeur D'alene Bancorp (RSSDID: 3780938, Location: Coeur D'alene, ID) Date Established: May 17, 2001 WWW: http://www.bankcda.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Domestic: 3, Interstate: No) FDIC's unique #: 356862 Numeric code: 21 Regulator: FDIC 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: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: May 17, 2001 Last Structure Change Effective Date: June 30, 2011 Last Structure Change Process Date: July 27, 2011 Last Data Update: July 27, 2011 Data Source Date: April 05, 2012 |
| Location | Address: 912 Northwest Boulevard, Coeur D Alene, ID 83814 County: Kootenai 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 Core Based Statistical Area (CBSA): Coeur d'Alene, ID (#17660) CBSA Metro Statistical Area: Coeur d'Alene, ID (#17660) |
| Financial Summary | Total assets: $77.3 mil Equity capital: $9.3 mil Deposits held in domestic offices: $64.0 mil Return on assets (ROA): 0.39% ($0.3 mil) Quarterly return on assets: 0.48% ($0.4 mil) Return on Equity (ROE): 3.46% ($0.3 mil) Quarterly return on equity: 4.09% ($0.4 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.53% ($409.5 mil) Quarterly Pretax return on assets: 0.55% ($425.0 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 19 |
| Total assets | $77,271 |
| Cash and due from depository institutions | $8,932 |
| Interest-bearing balances | $7,046 |
| Securities | $5,936 |
| Federal funds sold & reverse repurchase agreements | $2,465 |
| Net loans & leases | $55,519 |
| Loan loss allowance | $1,574 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $712 |
| Other real estate owned | $84 |
| Goodwill and other intangibles | $0 |
| All other assets | $3,623 |
| Life insurance assets | $77,271 |
| Total liabilities and capital | $67,929 |
| Total liabilities | $63,986 |
| Total deposits | $44,005 |
| Interest-bearing deposits | $63,986 |
| Deposits held in domestic offices | $94 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $3,361 |
| Other borrowed funds | $0 |
| Subordinated debt | $582 |
| All other liabilities | $9,342 |
| Total equity capital | $9,342 |
| Total bank equity capital | $9,342 |
| Perpetual preferred stock | $0 |
| Common stock | $6,445 |
| Surplus | $1,808 |
| Undivided profits | $1,089 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $2,317 |
| Earning assets | $70 |
| Long-term assets (5+ years) | $244 |
| Average Assets, year-to-date | $70,966 |
| Average Assets, quarterly | $12,633 |
| Volatile liabilities | $80,852 |
| Insider loans | $79,865 |
| FHLB advances | $62,175 |
| Loans and leases held for sale | $80,055 |
| Unused loan commitments | $1,950 |
| Tier 1 (core) risk-based capital | $926 |
| Tier 2 risk-based capital | $9,000 |
| Total risk weighted assets | $0 |
| Total unused commitments | $1,024 |
| Restructured Loans and leases | $9,864 |
| Derivatives | $697 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $4,002 |
| Total interest expense | $790 |
| Net interest income | $3,212 |
| Provision for loan and lease losses | $50 |
| Total noninterest income | $331 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $90 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $241 |
| Total noninterest expense | $3,106 |
| Salaries and employee benefits | $1,386 |
| Premises and equipment expense | $601 |
| Additional noninterest expense | $1,119 |
| Pre-tax net operating income | $387 |
| Securities gains (losses) | $43 |
| Applicable income taxes | $113 |
| Income before extraordinary items | $317 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $317 |
| Net charge-offs | $0 |
| Cash dividends | $317 |
| Sale, conversion, retirement of capital stock, net | $38 |
| Net operating income | $0 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.40% |
| Cost of funding earning assets | 1.07% |
| Net interest margin | 4.34% |
| Noninterest income to earning assets | 0.45% |
| Noninterest expense to earning assets | 4.19% |
| Net operating income to assets | 0.35% |
| Return on assets (ROA) | 0.39% |
| Pretax return on assets | 0.53% |
| Return on equity (ROE) | 3.46% |
| Retained earnings to average equity (YTD only) | 3.46% |
| Net charge-offs to loans | 0.06% |
| Credit loss provision to net charge-offs | 131.58% |
| Efficiency ratio | 11.50% |
| Assets per employee | $87,666 |
| Cash dividends to net income (YTD only) | 4.07% |
| Condition Ratios (%) | |
| Loss allowance to loans | 0.00% |
| Loss allowance to noncurrent loans | 2.76% |
| Noncurrent assets plus other real estate owned to assets | 67.93% |
| Noncurrent loans to loans | 3.11% |
| Net loans and leases to deposits | 4.06% |
| Net loans and leases to core deposits | 86.77% |
| Equity capital to assets | 90.03% |
| Core capital (leverage) ratio | 12.09% |
| Tier 1 risk-based capital ratio | 11.24% |
| Total risk-based capital ratio | 14.48% |
| Memoranda | |
| Average assets | $16 |
| Average earning assets | $80,852 |
| Average equity | $9,173 |
| Average loans | $74,079 |
| 3 Idaho Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 356862 | Bankcda | 912 Northwest Boulevard, Coeur D Alene, ID 83814 | May 17, 2001 | Full Service Brick and Mortar |  |
| 2 | 442986 | Hayden Branch | 200 W. Honeysuckle Ave., Hayden, ID 83835 | October 04, 2004 | Full Service Brick and Mortar |  |
| 3 | 477841 | Cda - Main | 912 Northwest Boulevard, Coeur D Alene, ID 83814 | June 03, 2008 | Full Service Brick and Mortar | |
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