Northern State Bank in Coeur D'alene, Idaho (ID)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 17, 1997

Northern State Bank in Coeur D'alene, Idaho (ID)
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Northern State Bank - Overview

General
FDIC Certificate #: 22777
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Washington Trust Bank (#1281)
Federal Reserve ID: 314668
Date Established: January 02, 1979
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Interstate: No)
FDIC's unique #: 15905
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: January 02, 1979
Last Structure Change Effective Date: March 17, 1997
Last Structure Change Process Date: April 02, 1997
Last Data Update: April 02, 1997
Data Source Date: April 05, 2012
Location
Address: 218 Lakeside Street, 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: $104.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$40Total assets
$104,872Cash and due from depository institutions
$5,497Interest-bearing balances
$293Securities
$24,755Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$71,281Loan loss allowance
$1,261Trading account assets
$0Bank premises and fixed assets
$1,524Other real estate owned
$299Goodwill and other intangibles
$1,516Life insurance assets
$0All other assets
$0Total liabilities and capital
$104,872Total liabilities
$96,040Total deposits
$93,560Interest-bearing deposits
$79,879Deposits held in domestic offices
93560.00%% insured (estimated)
$88Federal funds purchased & repurchase agreements
$1,772Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$708Total equity capital
$708Total bank equity capital
$8,832Perpetual preferred stock
$0Common stock
$835Surplus
$4,165Undivided profits
Memoranda
$3,832Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$31Income earned, not collected on loans
$451Earning assets
$96,329Long-term assets (5+ years)
$2,404Average Assets, year-to-date
$101,810Average Assets, quarterly
$103,998Volatile liabilities
$14,121Insider loans
$782FHLB advances
$0Loans and leases held for sale
$418Unused loan commitments
$10,529Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$8,832Total risk weighted assets
$70,439Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$8,354Total interest expense
$4,167Net interest income
$4,187Provision for loan and lease losses
$102Total noninterest income
$458Fiduciary activities
$0Service charges on deposit accounts
$299Trading account gains & fees
$0Additional noninterest income
$159Total noninterest expense
$2,433Salaries and employee benefits
$1,274Premises and equipment expense
$431Additional noninterest expense
$728Pre-tax net operating income
$2,110Securities gains (losses)
$0Applicable income taxes
$743Income before extraordinary items
$1,367Extraordinary gains - net
$0Net income attributable to bank
$1,367Net charge-offs
$45Cash dividends
$730Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.91%Cost of funding earning assets
4.44%Net interest margin
4.46%Noninterest income to earning assets
0.49%Noninterest expense to earning assets
2.59%Net operating income to assets
1.34%Return on assets (ROA)
1.34%Pretax return on assets
2.07%Return on equity (ROE)
15.90%Retained earnings to average equity (YTD only)
7.41%Net charge-offs to loans
0.07%Credit loss provision to net charge-offs
226.67%Efficiency ratio
52,379Assets per employee
2.62%Cash dividends to net income (YTD only)
Condition Ratios (%)
53.40%Loss allowance to loans
1.74%Loss allowance to noncurrent loans
4067.74%Noncurrent assets plus other real estate owned to assets
0.31%Noncurrent loans to loans
0.04%Net loans and leases to deposits
76.19%Net loans and leases to core deposits
87.77%Equity capital to assets
8.42%Core capital (leverage) ratio
8.65%Tier 1 risk-based capital ratio
12.54%Total risk-based capital ratio
Memoranda
$14Average assets
$101,810Average earning assets
$8,596Average equity
$93,808Average loans

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