FDIC Certificate #: 34396 Status: Inactive Closing history: Absorption - Assisted Acquiring institution:U.S. Bank National Association (#6548) Federal Reserve ID: 2570552 Date Established: March 31, 1997 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 17496 FDIC's unique #: 57159 Numeric code: 33 Regulator: OTS Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: March 31, 1997 Last Structure Change Effective Date: April 24, 2009 Last Structure Change Process Date: April 27, 2009 Last Data Update: April 27, 2009 Data Source Date: April 05, 2012
Location
Address: 111 Main Street, Ketchum, ID 83340 County: Blaine 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
Financial Summary
Total assets: $490.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2008)
Dollar figures in thousands
116Total employees (full-time equivalent)
$488,868Total assets
$17,225Cash and due from depository institutions
$773Interest-bearing balances
$437Securities
$147Federal funds sold & reverse repurchase agreements
$451,993Net loans & leases
$7,722Loan loss allowance
$0Trading account assets
$7,847Bank premises and fixed assets
$0Other real estate owned
$113Goodwill and other intangibles
$0Life insurance assets
$11,106All other assets
$488,868Total liabilities and capital
$450,344Total liabilities
$373,968Total deposits
$293,963Interest-bearing deposits
$373,968Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$75,000Other borrowed funds
$0Subordinated debt
$1,376All other liabilities
$38,524Total equity capital
$38,524Total bank equity capital
$38,524Perpetual preferred stock
$0Common stock
$1Surplus
$21,056Undivided profits
Memoranda
$17,467Noncurrent loans and leases
$59,212Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$23,914Earning assets
$0Long-term assets (5+ years)
$2,253Average Assets, year-to-date
$453,350Average Assets, quarterly
$0Volatile liabilities
$471,296Insider loans
$485,165FHLB advances
$99,430Loans and leases held for sale
$3,089Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$59,212Total unused commitments
$3,925Restructured Loans and leases
$5,444Derivatives
Income and Expense (December 31, 2008)
Dollar figures in thousands
$30,127Total interest income
$10,657Total interest expense
$19,470Net interest income
$13,129Provision for loan and lease losses
$1,938Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$1,938Additional noninterest income
$15,662Total noninterest expense
$8,139Salaries and employee benefits
$4,198Premises and equipment expense
$3,325Additional noninterest expense
-$7,383Pre-tax net operating income
$494Securities gains (losses)
-$2,686Applicable income taxes
-$4,203Income before extraordinary items
$0Extraordinary gains - net
-$4,203Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$10,619Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2008)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.83%Yield on earning assets
2.42%Cost of funding earning assets
4.41%Net interest margin
0.44%Noninterest income to earning assets
3.55%Noninterest expense to earning assets
-0.96%Net operating income to assets
-0.89%Return on assets (ROA)
-1.46%Pretax return on assets
-9.93%Return on equity (ROE)
-9.93%Retained earnings to average equity (YTD only)
2.38%Net charge-offs to loans
123.64%Credit loss provision to net charge-offs
0.54%Efficiency ratio
71,880Assets per employee
4.21%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.68%Loss allowance to noncurrent loans
32.29%Noncurrent assets plus other real estate owned to assets
4.89%Noncurrent loans to loans
5.20%Net loans and leases to deposits
120.86%Net loans and leases to core deposits
129.31%Equity capital to assets
7.88%Core capital (leverage) ratio
7.39%Tier 1 risk-based capital ratio
8.29%Total risk-based capital ratio
Memoranda
$10Average assets
$471,296Average earning assets
$42,340Average equity
$441,208Average loans
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