FDIC Certificate #: 20318 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:AmericanWest Bank (#22441) Federal Reserve ID: 423971 Date Established: December 21, 1970 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 7 (Interstate: No) OTS Docket #: 15461 FDIC's unique #: 13990 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: December 21, 1970 Last Structure Change Effective Date: January 16, 2001 Last Structure Change Process Date: May 24, 2001 Last Data Update: May 24, 2001 Data Source Date: April 05, 2012
Location
Address: 600 South Jackson Street, Moscow, ID 83843 County: Latah 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): Moscow, ID (#34140) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $72.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2000)
Dollar figures in thousands
39Total employees (full-time equivalent)
$72,564Total assets
$3,461Cash and due from depository institutions
$193Interest-bearing balances
$10,520Securities
$0Federal funds sold & reverse repurchase agreements
$52,357Net loans & leases
$524Loan loss allowance
$0Trading account assets
$1,029Bank premises and fixed assets
$0Other real estate owned
$4,097Goodwill and other intangibles
$0Life insurance assets
$1,100All other assets
$72,564Total liabilities and capital
$62,396Total liabilities
$59,818Total deposits
$48,128Interest-bearing deposits
$59,818Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$2,234Other borrowed funds
$0Subordinated debt
$344All other liabilities
$10,168Total equity capital
$10,168Total bank equity capital
$10,168Perpetual preferred stock
$0Common stock
$8,455Surplus
$0Undivided profits
Memoranda
$1,713Noncurrent loans and leases
$16,862Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$339Earning assets
$0Long-term assets (5+ years)
$538Average Assets, year-to-date
$63,070Average Assets, quarterly
$12,940Volatile liabilities
$69,691Insider loans
$71,640FHLB advances
$7,872Loans and leases held for sale
$96Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$16,862Total unused commitments
$0Restructured Loans and leases
$524Derivatives
Income and Expense (December 31, 2000)
Dollar figures in thousands
$5,587Total interest income
$2,067Total interest expense
$3,520Net interest income
$157Provision for loan and lease losses
$516Total noninterest income
$0Fiduciary activities
$277Service charges on deposit accounts
$0Trading account gains & fees
$239Additional noninterest income
$2,832Total noninterest expense
$1,454Salaries and employee benefits
$569Premises and equipment expense
$809Additional noninterest expense
$1,047Pre-tax net operating income
$28Securities gains (losses)
$425Applicable income taxes
$650Income before extraordinary items
$0Extraordinary gains - net
$650Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$26Sale, conversion, retirement of capital stock, net
$102Net operating income
Performance and Condition Ratios (December 31, 2000)
Dollar figures in thousands
Performance Ratios (%, annualized)
9.27%Yield on earning assets
3.43%Cost of funding earning assets
5.84%Net interest margin
0.86%Noninterest income to earning assets
4.70%Noninterest expense to earning assets
0.91%Net operating income to assets
0.93%Return on assets (ROA)
1.54%Pretax return on assets
6.69%Return on equity (ROE)
5.64%Retained earnings to average equity (YTD only)
0.06%Net charge-offs to loans
603.85%Credit loss provision to net charge-offs
46.31%Efficiency ratio
64,569Assets per employee
1.86%Cash dividends to net income (YTD only)
Condition Ratios (%)
15.69%Loss allowance to loans
0.99%Loss allowance to noncurrent loans
154.57%Noncurrent assets plus other real estate owned to assets
0.47%Noncurrent loans to loans
0.64%Net loans and leases to deposits
87.53%Net loans and leases to core deposits
96.64%Equity capital to assets
14.01%Core capital (leverage) ratio
9.16%Tier 1 risk-based capital ratio
9.93%Total risk-based capital ratio
Memoranda
$11Average assets
$69,691Average earning assets
$9,723Average equity
$60,250Average loans
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