FDIC Certificate #: 58576 Status: Active Federal Reserve ID: 3603970 Date Established: June 07, 2007 WWW:http://www.com1stbankid.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 457288 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: June 07, 2007 Last Structure Change Effective Date: September 06, 2007 Last Structure Change Process Date: September 06, 2007 Last Data Update: September 06, 2007 Data Source Date: April 05, 2012
Location
Address: 707 North Post Street, Post Falls, ID 83854 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)
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $70.2 mil Equity capital: $9.5 mil Deposits held in domestic offices: $60.5 mil Return on assets (ROA): 0.01% ($0.0 mil) Quarterly return on assets: 0.03% ($0.0 mil) Return on Equity (ROE): 0.07% ($0.0 mil) Quarterly return on equity: 0.21% ($0.0 mil) Net income: $0.0 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.01% ($7.0 mil) Quarterly Pretax return on assets: 0.03% ($21.1 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
18Total employees (full-time equivalent)
$70,182Total assets
$20,859Cash and due from depository institutions
$20,403Interest-bearing balances
$4,368Securities
$201Federal funds sold & reverse repurchase agreements
$42,977Net loans & leases
$885Loan loss allowance
$0Trading account assets
$1,189Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$70,182Life insurance assets
$588All other assets
$60,710Total liabilities and capital
$60,533Total liabilities
$54,294Total deposits
$60,533Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$177Subordinated debt
$9,472All other liabilities
$9,472Total equity capital
$9,472Total bank equity capital
$0Perpetual preferred stock
$5,250Common stock
$5,317Surplus
$-1,095Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$883Income earned, not collected on loans
$0Earning assets
$232Long-term assets (5+ years)
$67,949Average Assets, year-to-date
$11,876Average Assets, quarterly
$59,853Volatile liabilities
$66,785Insider loans
$45,561FHLB advances
$67,869Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$9,389Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$9,254Restructured Loans and leases
$2,600Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,673Total interest income
$534Total interest expense
$2,139Net interest income
$239Provision for loan and lease losses
$104Total noninterest income
$0Fiduciary activities
$63Service charges on deposit accounts
$0Trading account gains & fees
$41Additional noninterest income
$1,997Total noninterest expense
$1,137Salaries and employee benefits
$245Premises and equipment expense
$615Additional noninterest expense
$7Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$7Income before extraordinary items
$0Extraordinary gains - net
$7Net income attributable to bank
$0Net charge-offs
$7Cash dividends
$18Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.62%Yield on earning assets
0.92%Cost of funding earning assets
3.69%Net interest margin
0.18%Noninterest income to earning assets
3.45%Noninterest expense to earning assets
0.01%Net operating income to assets
0.01%Return on assets (ROA)
0.01%Pretax return on assets
0.07%Return on equity (ROE)
0.07%Retained earnings to average equity (YTD only)
0.04%Net charge-offs to loans
1327.78%Credit loss provision to net charge-offs
13.67%Efficiency ratio
89,033Assets per employee
3.90%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.02%Loss allowance to noncurrent loans
100.23%Noncurrent assets plus other real estate owned to assets
1.26%Noncurrent loans to loans
2.01%Net loans and leases to deposits
71.00%Net loans and leases to core deposits
84.13%Equity capital to assets
13.50%Core capital (leverage) ratio
13.83%Tier 1 risk-based capital ratio
20.61%Total risk-based capital ratio
Memoranda
$22Average assets
$59,853Average earning assets
$9,485Average equity
$57,891Average loans
List of branches
1 Idaho Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
457288
Community 1st Bank
707 North Post Street, Post Falls, ID 83854
June 07, 2007
Full Service Brick and Mortar
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