FDIC Certificate #: 23745 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Mountain West Bank (#33844) Federal Reserve ID: 489678 Date Established: Febuary 08, 1982 WWW:http://www.pobank.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Interstate: No) OTS Docket #: 12498 FDIC's unique #: 16600 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: Febuary 08, 1982 Last Structure Change Effective Date: July 16, 2003 Last Structure Change Process Date: October 29, 2003 Last Data Update: October 29, 2003 Data Source Date: April 05, 2012
Location
Address: 476655 Highway 95 North, Ponderay, ID 83852 County: Bonner 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: $66.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2002)
Dollar figures in thousands
27Total employees (full-time equivalent)
$65,212Total assets
$6,598Cash and due from depository institutions
$4,585Interest-bearing balances
$4,167Securities
$2,500Federal funds sold & reverse repurchase agreements
$50,045Net loans & leases
$750Loan loss allowance
$0Trading account assets
$686Bank premises and fixed assets
$45Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,171All other assets
$65,212Total liabilities and capital
$59,716Total liabilities
$56,902Total deposits
$47,205Interest-bearing deposits
$56,902Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$2,500Other borrowed funds
$0Subordinated debt
$314All other liabilities
$5,496Total equity capital
$5,496Total bank equity capital
$5,496Perpetual preferred stock
$0Common stock
$23Surplus
$3,827Undivided profits
Memoranda
$1,646Noncurrent loans and leases
$7,732Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$186Earning assets
$0Long-term assets (5+ years)
$324Average Assets, year-to-date
$61,297Average Assets, quarterly
$10,719Volatile liabilities
$63,746Insider loans
$65,783FHLB advances
$7,878Loans and leases held for sale
$1,294Unused loan commitments
$2,500Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$7,732Total unused commitments
$0Restructured Loans and leases
$736Derivatives
Income and Expense (December 31, 2002)
Dollar figures in thousands
$4,326Total interest income
$1,441Total interest expense
$2,885Net interest income
$109Provision for loan and lease losses
$326Total noninterest income
$0Fiduciary activities
$219Service charges on deposit accounts
$0Trading account gains & fees
$107Additional noninterest income
$2,364Total noninterest expense
$1,296Salaries and employee benefits
$370Premises and equipment expense
$698Additional noninterest expense
$738Pre-tax net operating income
$0Securities gains (losses)
$182Applicable income taxes
$556Income before extraordinary items
$0Extraordinary gains - net
$556Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$145Sale, conversion, retirement of capital stock, net
$168Net operating income
Performance and Condition Ratios (December 31, 2002)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.25%Yield on earning assets
2.42%Cost of funding earning assets
4.84%Net interest margin
0.55%Noninterest income to earning assets
3.96%Noninterest expense to earning assets
0.87%Net operating income to assets
0.87%Return on assets (ROA)
1.16%Pretax return on assets
10.46%Return on equity (ROE)
7.30%Retained earnings to average equity (YTD only)
0.29%Net charge-offs to loans
75.17%Credit loss provision to net charge-offs
5.84%Efficiency ratio
73,622Assets per employee
2.42%Cash dividends to net income (YTD only)
Condition Ratios (%)
30.22%Loss allowance to loans
1.48%Loss allowance to noncurrent loans
403.23%Noncurrent assets plus other real estate owned to assets
0.35%Noncurrent loans to loans
0.37%Net loans and leases to deposits
87.95%Net loans and leases to core deposits
99.05%Equity capital to assets
8.43%Core capital (leverage) ratio
8.18%Tier 1 risk-based capital ratio
9.27%Total risk-based capital ratio
Memoranda
$11Average assets
$63,746Average earning assets
$5,315Average equity
$59,650Average loans
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