State Bank Northwest in city_name, state_name - Detailed Financial Reports, Location

State Bank Northwest in Spokane Valley, Washington (WA)
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State Bank Northwest routing number info

State Bank Northwest - Overview

General
FDIC Certificate #: 2945
Status: Active
Federal Reserve ID: 479071
Bank Holding Company (Regulatory Top Holder): State Bancorp Northwest (RSSDID: 3658729, Location: Spokane Valley, WA)
Date Established: January 01, 1902
WWW: http://www.statebanknorthwest.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 1878
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: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 01, 2007
Last Structure Change Process Date: March 30, 2007
Last Data Update: March 30, 2007
Data Source Date: April 05, 2012
Location
Address: 12902 East Sprague Avenue, Spokane Valley, WA 99216
County: Spokane
Quarterly Banking Profile Region: San Francisco
FDIC Geographic Region: San Francisco
FDIC Supervisory Region: San Francisco
FDIC Field Office: Seattle
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Spokane, WA (#7840)
Core Based Statistical Area (CBSA): Spokane, WA (#44060)
CBSA Metro Statistical Area: Spokane, WA (#44060)
History of Changes
Change in Location
Financial Summary
Total assets: $96.7 mil
Equity capital: $10.5 mil
Deposits held in domestic offices: $86.1 mil
Return on assets (ROA): 0.16% ($0.2 mil)
Quarterly return on assets: 0.17% ($0.2 mil)
Return on Equity (ROE): 1.60% ($0.2 mil)
Quarterly return on equity: 1.68% ($0.2 mil)
Net income: $0.2 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 0.16% ($154.7 mil)
Quarterly Pretax return on assets: 0.17% ($164.4 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, 2011)

Dollar figures in thousands
23Total employees (full-time equivalent)
$96,712Total assets
$11,943Cash and due from depository institutions
$10,055Interest-bearing balances
$10,344Securities
$0Federal funds sold & reverse repurchase agreements
$70,209Net loans & leases
$1,043Loan loss allowance
$0Trading account assets
$412Bank premises and fixed assets
$2,548Other real estate owned
$0Goodwill and other intangibles
$96,712Life insurance assets
$1,256All other assets
$86,250Total liabilities and capital
$86,095Total liabilities
$60,352Total deposits
$86,095Interest-bearing deposits
$84Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$155Subordinated debt
$10,462All other liabilities
$10,462Total equity capital
$10,462Total bank equity capital
$0Perpetual preferred stock
$827Common stock
$7,742Surplus
$1,893Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,486Income earned, not collected on loans
$0Earning assets
$343Long-term assets (5+ years)
$90,608Average Assets, year-to-date
$28,546Average Assets, quarterly
$100,081Volatile liabilities
$101,339Insider loans
$74,380FHLB advances
$102,490Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$10,424Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$14,587Restructured Loans and leases
$218Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$5,080Total interest income
$1,244Total interest expense
$3,836Net interest income
$135Provision for loan and lease losses
$181Total noninterest income
$0Fiduciary activities
$108Service charges on deposit accounts
$0Trading account gains & fees
$73Additional noninterest income
$3,771Total noninterest expense
$1,808Salaries and employee benefits
$581Premises and equipment expense
$1,382Additional noninterest expense
$111Pre-tax net operating income
$49Securities gains (losses)
$0Applicable income taxes
$160Income before extraordinary items
$0Extraordinary gains - net
$160Net income attributable to bank
$0Net charge-offs
$160Cash dividends
$595Sale, conversion, retirement of capital stock, net
$96Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.47%Yield on earning assets
1.34%Cost of funding earning assets
4.13%Net interest margin
0.19%Noninterest income to earning assets
4.06%Noninterest expense to earning assets
0.11%Net operating income to assets
0.16%Return on assets (ROA)
0.16%Pretax return on assets
1.60%Return on equity (ROE)
0.64%Retained earnings to average equity (YTD only)
0.81%Net charge-offs to loans
22.69%Credit loss provision to net charge-offs
0.41%Efficiency ratio
93,876Assets per employee
4.20%Cash dividends to net income (YTD only)
Condition Ratios (%)
60.00%Loss allowance to loans
1.46%Loss allowance to noncurrent loans
70.19%Noncurrent assets plus other real estate owned to assets
4.17%Noncurrent loans to loans
2.09%Net loans and leases to deposits
81.55%Net loans and leases to core deposits
94.44%Equity capital to assets
10.82%Core capital (leverage) ratio
10.17%Tier 1 risk-based capital ratio
14.01%Total risk-based capital ratio
Memoranda
$15Average assets
$100,081Average earning assets
$10,026Average equity
$92,906Average loans

List of branches

3 Washington Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	1878	State Bank Northwest	12902 East Sprague Avenue, Spokane Valley, WA 99216	January 01, 1902	Full Service Brick and Mortar
2	301139	North Pointe Branch	9727 North Nevada Street, Spokane, WA 99218	April 05, 1999	Full Service Brick and Mortar
4	463365	Garfield Branch	301 W. California Street, Garfield, WA 99130	March 01, 2007	Full Service Brick and Mortar

State Bank Northwest in Spokane Valley, Washington (WA)
Overview, Financial Summary, Detailed Financial Reports, Branches

State Bank Northwest - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

State Bank Northwest in Spokane Valley, Washington (WA)Overview, Financial Summary, Detailed Financial Reports, Branches

State Bank Northwest - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

State Bank Northwest in Spokane Valley, Washington (WA)
Overview, Financial Summary, Detailed Financial Reports, Branches