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Overview / Commentary
912 Northwest Boulevard
Coeur D Alene, ID 83814

bankcda is headquartered in Coeur D Alene and is the 13st largest bank in the state of Idaho. It is also the 4,839th largest bank in the nation. It was established in 2001 and as of December of 2013, it had grown to 23 employees at 3 locations. bankcda has a B+ health rating.

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. bankcda has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 bankcda had $1.81 million in non-current loans and owned real-estate with $10.53 million in equity and loan loss allowances on hand to cover it. This gives bankcda a Texas Ratio of 17.17% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for bankcda decreased dramatically from 27.29% as of December 31, 2012 to 17.17% as of December 31, 2013, resulting in a positive change of 37.05%.This indicates that the balance sheet and financial strength for bankcda has improved dramatically in recent periods.

Deposit Growth


In the past year, bankcda has increased its total deposits by $25.76 million, resulting in 44.96% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth bankcda has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. bankcda has $95.96 million in assets with $10.53 million in equity, resulting in a capitalization level of 10.97%, which is above average.

Institution Statistics

FDIC Certificate #57074
Year Established2001
Primary RegulatorFDIC
Assets and Liabilities
Assets$95.96 million
Loans$51.31 million
Deposits$83.04 million
Equity Capital$9.47 million
Loan Loss Allowance$1.05 million
Unbacked Noncurrent Loans$1.11 million
Real Estate Owned$702,000
Historic Data - December 2012
Assets$70.76 million
Equity Capital$9.63 million
Loan Loss Allowance$1.07 million
Unbacked Noncurrent Loans$1.11 million
Real Estate Owned$1.36 million
Profit Margin - Quarterly
Net Interest Margin3.65%
Return on Assets-0.02%
Return on Equity-0.16%
Interest Income$3.02 million

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bankcda Locations
Hayden Branch200 W. Honeysuckle Ave.Hayden, ID 83835
Cda - Main912 Northwest BoulevardCoeur D Alene, ID 83814
Bankcda912 Northwest BoulevardCoeur D Alene, ID 83814