bankcda in Coeur D Alene, Idaho (ID)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • bankcda in Coeur D Alene, Idaho (ID)
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bankcda - Overview

  • General
  • FDIC Certificate #: 57074
    Status: Active
    Federal Reserve ID: 3010363
    Bank Holding Company (Regulatory Top Holder): Coeur D'alene Bancorp (RSSDID: 3780938, Location: Coeur D'alene, ID)
    Date Established: May 17, 2001
    WWW: http://www.bankcda.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 #: 356862
    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: May 17, 2001
    Last Structure Change Effective Date: June 30, 2011
    Last Structure Change Process Date: July 27, 2011
    Last Data Update: July 27, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 912 Northwest Boulevard, 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: $77.3 mil
    Equity capital: $9.3 mil
    Deposits held in domestic offices: $64.0 mil
    Return on assets (ROA): 0.39% ($0.3 mil)
    Quarterly return on assets: 0.48% ($0.4 mil)
    Return on Equity (ROE): 3.46% ($0.3 mil)
    Quarterly return on equity: 4.09% ($0.4 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.53% ($409.5 mil)
    Quarterly Pretax return on assets: 0.55% ($425.0 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
  • 19Total employees (full-time equivalent)
  • $77,271Total assets
  • $8,932Cash and due from depository institutions
  • $7,046Interest-bearing balances
  • $5,936Securities
  • $2,465Federal funds sold & reverse repurchase agreements
  • $55,519Net loans & leases
  • $1,574Loan loss allowance
  • $0Trading account assets
  • $712Bank premises and fixed assets
  • $84Other real estate owned
  • $0Goodwill and other intangibles
  • $77,271Life insurance assets
  • $3,623All other assets
  • $67,929Total liabilities and capital
  • $63,986Total liabilities
  • $44,005Total deposits
  • $63,986Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,361Trading liabilities
  • $0Other borrowed funds
  • $582Subordinated debt
  • $9,342All other liabilities
  • $9,342Total equity capital
  • $9,342Total bank equity capital
  • $0Perpetual preferred stock
  • $6,445Common stock
  • $1,808Surplus
  • $1,089Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,317Income earned, not collected on loans
  • $70Earning assets
  • $244Long-term assets (5+ years)
  • $70,966Average Assets, year-to-date
  • $12,633Average Assets, quarterly
  • $80,852Volatile liabilities
  • $79,865Insider loans
  • $62,175FHLB advances
  • $80,055Loans and leases held for sale
  • $1,950Unused loan commitments
  • $926Tier 1 (core) risk-based capital
  • $9,000Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,024Total unused commitments
  • $9,864Restructured Loans and leases
  • $697Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,002Total interest income
  • $790Total interest expense
  • $3,212Net interest income
  • $50Provision for loan and lease losses
  • $331Total noninterest income
  • $0Fiduciary activities
  • $90Service charges on deposit accounts
  • $0Trading account gains & fees
  • $241Additional noninterest income
  • $3,106Total noninterest expense
  • $1,386Salaries and employee benefits
  • $601Premises and equipment expense
  • $1,119Additional noninterest expense
  • $387Pre-tax net operating income
  • $43Securities gains (losses)
  • $113Applicable income taxes
  • $317Income before extraordinary items
  • $0Extraordinary gains - net
  • $317Net income attributable to bank
  • $0Net charge-offs
  • $317Cash dividends
  • $38Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.40%Yield on earning assets
  • 1.07%Cost of funding earning assets
  • 4.34%Net interest margin
  • 0.45%Noninterest income to earning assets
  • 4.19%Noninterest expense to earning assets
  • 0.35%Net operating income to assets
  • 0.39%Return on assets (ROA)
  • 0.53%Pretax return on assets
  • 3.46%Return on equity (ROE)
  • 3.46%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 131.58%Credit loss provision to net charge-offs
  • 11.50%Efficiency ratio
  • 87,666Assets per employee
  • 4.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.76%Loss allowance to noncurrent loans
  • 67.93%Noncurrent assets plus other real estate owned to assets
  • 3.11%Noncurrent loans to loans
  • 4.06%Net loans and leases to deposits
  • 86.77%Net loans and leases to core deposits
  • 90.03%Equity capital to assets
  • 12.09%Core capital (leverage) ratio
  • 11.24%Tier 1 risk-based capital ratio
  • 14.48%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $80,852Average earning assets
  • $9,173Average equity
  • $74,079Average loans

List of branches

  • 3 Idaho Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    0356862Bankcda912 Northwest Boulevard, Coeur D Alene, ID 83814May 17, 2001Full Service Brick and Mortar
    2442986Hayden Branch200 W. Honeysuckle Ave., Hayden, ID 83835October 04, 2004Full Service Brick and Mortar
    3477841Cda - Main912 Northwest Boulevard, Coeur D Alene, ID 83814June 03, 2008Full Service Brick and Mortar

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