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Overview / Commentary
707 North Post Street
Post Falls, ID 83854

Community 1st Bank (ID) is headquartered in Post Falls and is the 13st largest bank in the state of Idaho. It is also the 4,983rd largest bank in the nation. It was established in 2007 and as of June of 2014, it had grown to 21 employees at 2 locations. Community 1st Bank (ID) has a A health rating.

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Health

Data for Q2 2014

Institution Health

A
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Community 1st Bank (ID) has a relatively low asset base.

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Community 1st Bank (ID) had $230,000 in non-current loans and owned real-estate with $11.24 million in equity and loan loss allowances on hand to cover it. This gives Community 1st Bank (ID) a Texas Ratio of 2.05% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Community 1st Bank (ID) decreased dramatically from 7.96% as of June 30, 2013 to 2.05% as of June 30, 2014, resulting in a positive change of 74.29%.This indicates that the balance sheet and financial strength for Community 1st Bank (ID) has improved dramatically in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Community 1st Bank (ID) has increased its total deposits by $2.26 million, resulting in 3% 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 Community 1st Bank (ID) has shown is above average.

Capitalization

GRADE:
A+

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. Community 1st Bank (ID) has $87.9 million in assets with $11.24 million in equity, resulting in a capitalization level of 12.79%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #58576
Year Established2007
Employees21
Primary RegulatorFDIC
Assets and Liabilities
Assets$87.90 million
Loans$54.48 million
Deposits$77.52 million
Equity Capital$10.17 million
Loan Loss Allowance$1.08 million
Real Estate Owned$230,000
Historic Data - June 2013
Assets$85.12 million
Equity Capital$9.64 million
Loan Loss Allowance$1.08 million
Unbacked Noncurrent Loans$0
Real Estate Owned$837,000
Profit Margin - Quarterly
Return on Assets0.69%
Return on Equity6.02%
Interest Income$1.72 million
Rates

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Locations


Community 1st Bank (ID) Locations
Hanley Branch435 W Hanley Ave., Ste 100Coeur D Alene, ID 83815
Community 1st Bank707 North Post StreetPost Falls, ID 83854