FDIC Certificate #: 58095 Status: Active Federal Reserve ID: 3384952 Date Established: October 03, 2005 WWW:http://www.idahofirstbank.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 #: 439648 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: October 03, 2005 Last Structure Change Effective Date: September 17, 2009 Last Structure Change Process Date: September 17, 2009 Last Data Update: September 17, 2009 Data Source Date: April 05, 2012
Location
Address: 475 E. Deinhard Lane, Mccall, ID 83638 County: Valley 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: $77.2 mil Equity capital: $4.7 mil Deposits held in domestic offices: $69.1 mil Return on assets (ROA): -0.19% (-$0.1 mil) Quarterly return on assets: 0.37% ($0.3 mil) Return on Equity (ROE): -3.06% (-$0.2 mil) Quarterly return on equity: 6.09% ($0.3 mil) Net income: -$0.1 mil Quarterly Net income: $0.1 mil Pretax return on assets: -0.19% (-$146.6 mil) Quarterly Pretax return on assets: 0.37% ($285.5 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
20Total employees (full-time equivalent)
$77,156Total assets
$7,765Cash and due from depository institutions
$5,798Interest-bearing balances
$3,827Securities
$0Federal funds sold & reverse repurchase agreements
$63,081Net loans & leases
$1,052Loan loss allowance
$0Trading account assets
$249Bank premises and fixed assets
$887Other real estate owned
$0Goodwill and other intangibles
$77,156Life insurance assets
$1,347All other assets
$72,456Total liabilities and capital
$69,115Total liabilities
$58,714Total deposits
$69,115Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,000Trading liabilities
$0Other borrowed funds
$341Subordinated debt
$4,700All other liabilities
$4,700Total equity capital
$4,700Total bank equity capital
$0Perpetual preferred stock
$14,678Common stock
$0Surplus
$-9,978Undivided profits
Memoranda
$0Noncurrent loans and leases
$1,479Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,048Income earned, not collected on loans
$0Earning assets
$247Long-term assets (5+ years)
$72,706Average Assets, year-to-date
$22,085Average Assets, quarterly
$77,056Volatile liabilities
$76,782Insider loans
$64,005FHLB advances
$75,007Loans and leases held for sale
$635Unused loan commitments
$635Tier 1 (core) risk-based capital
$4,689Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$8,301Restructured Loans and leases
$2,203Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,486Total interest income
$1,222Total interest expense
$2,264Net interest income
$250Provision for loan and lease losses
$1,085Total noninterest income
$0Fiduciary activities
$91Service charges on deposit accounts
$0Trading account gains & fees
$994Additional noninterest income
$3,242Total noninterest expense
$1,655Salaries and employee benefits
$489Premises and equipment expense
$1,098Additional noninterest expense
-$143Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$143Income before extraordinary items
$0Extraordinary gains - net
-$143Net income attributable to bank
$0Net charge-offs
-$143Cash dividends
$223Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.76%Yield on earning assets
1.67%Cost of funding earning assets
3.09%Net interest margin
1.48%Noninterest income to earning assets
4.43%Noninterest expense to earning assets
-0.19%Net operating income to assets
-0.19%Return on assets (ROA)
-0.19%Pretax return on assets
-3.06%Return on equity (ROE)
-3.06%Retained earnings to average equity (YTD only)
0.38%Net charge-offs to loans
112.11%Credit loss provision to net charge-offs
0.48%Efficiency ratio
96,805Assets per employee
3.86%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.64%Loss allowance to noncurrent loans
100.38%Noncurrent assets plus other real estate owned to assets
2.51%Noncurrent loans to loans
1.63%Net loans and leases to deposits
91.27%Net loans and leases to core deposits
100.25%Equity capital to assets
6.09%Core capital (leverage) ratio
6.25%Tier 1 risk-based capital ratio
7.33%Total risk-based capital ratio
Memoranda
$9Average assets
$77,056Average earning assets
$4,675Average equity
$73,171Average loans
List of branches
1 Idaho Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
439648
Idaho First Bank
475 E. Deinhard Lane, Mccall, ID 83638
October 03, 2005
Full Service Brick and Mortar
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