FDIC Certificate #: 22951 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Banner Bank (#28489) Federal Reserve ID: 426365 Date Established: September 05, 1979 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) OTS Docket #: 15835 FDIC's unique #: 16057 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: September 05, 1979 Last Structure Change Effective Date: April 01, 1999 Last Structure Change Process Date: May 14, 1999 Last Data Update: May 14, 1999 Data Source Date: April 05, 2012
Location
Address: 639 Bryden Avenue, Lewiston, ID 83501 County: Nez Perce 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): Lewiston, ID-WA (#30300) CBSA Metro Statistical Area: Lewiston, ID-WA (#30300)
Financial Summary
Total assets: $45.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
16Total employees (full-time equivalent)
$45,242Total assets
$1,885Cash and due from depository institutions
$0Interest-bearing balances
$12,361Securities
$3,400Federal funds sold & reverse repurchase agreements
$26,647Net loans & leases
$482Loan loss allowance
$0Trading account assets
$462Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$487All other assets
$45,242Total liabilities and capital
$41,096Total liabilities
$40,836Total deposits
$33,211Interest-bearing deposits
$40,836Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$31Other borrowed funds
$0Subordinated debt
$229All other liabilities
$4,146Total equity capital
$4,146Total bank equity capital
$4,146Perpetual preferred stock
$0Common stock
$1,010Surplus
$2,091Undivided profits
Memoranda
$1,045Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$12Earning assets
$0Long-term assets (5+ years)
$159Average Assets, year-to-date
$42,408Average Assets, quarterly
$2,692Volatile liabilities
$42,119Insider loans
$43,776FHLB advances
$5,418Loans and leases held for sale
$2,255Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$7,201Total unused commitments
$0Restructured Loans and leases
$29,280Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$3,176Total interest income
$1,462Total interest expense
$1,714Net interest income
$20Provision for loan and lease losses
$392Total noninterest income
$0Fiduciary activities
$97Service charges on deposit accounts
$0Trading account gains & fees
$295Additional noninterest income
$1,155Total noninterest expense
$601Salaries and employee benefits
$169Premises and equipment expense
$385Additional noninterest expense
$931Pre-tax net operating income
$0Securities gains (losses)
$282Applicable income taxes
$649Income before extraordinary items
$0Extraordinary gains - net
$649Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$2Sale, conversion, retirement of capital stock, net
$51Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.03%Yield on earning assets
3.70%Cost of funding earning assets
4.34%Net interest margin
0.99%Noninterest income to earning assets
2.92%Noninterest expense to earning assets
1.54%Net operating income to assets
1.54%Return on assets (ROA)
2.21%Pretax return on assets
16.96%Return on equity (ROE)
15.63%Retained earnings to average equity (YTD only)
-0.01%Net charge-offs to loans
-1000.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
54,843Assets per employee
2.83%Cash dividends to net income (YTD only)
Condition Ratios (%)
7.86%Loss allowance to loans
1.78%Loss allowance to noncurrent loans
4016.67%Noncurrent assets plus other real estate owned to assets
0.03%Noncurrent loans to loans
0.04%Net loans and leases to deposits
65.25%Net loans and leases to core deposits
75.22%Equity capital to assets
9.16%Core capital (leverage) ratio
9.35%Tier 1 risk-based capital ratio
14.14%Total risk-based capital ratio
Memoranda
$15Average assets
$42,119Average earning assets
$3,827Average equity
$39,530Average loans
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