Institution Statistics
| Idaho Banking Company | | FDIC Certificate # | 34317 | | BankRate Report | View | | Year Established | 1996 | | Employees | 36 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $120.20 million | | Loans | $84.41 million | | Deposits | $110.26 million | | Equity Capital | $4.18 million | | Loan Loss Allowance | $5.81 million | | Unbacked Noncurrent Loans | $10.78 million | | Real Estate Owned | $9.07 million |
Historic Data - March 2011 | | Assets | $174.09 million | | Equity Capital | $7.08 million | | Loan Loss Allowance | $8.82 million | | Unbacked Noncurrent Loans | $17.09 million | | Real Estate Owned | $14.07 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.06% | | Return on Assets | 0.58% | | Return on Equity | 17.2% | | Interest Income | $1.30 million |
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Institution Health
Overall Score:
1 out of 5 
| 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 March 31, 2012 Idaho Banking Company had $19.84 million in non-current loans and owned real-estate with $9.99 million in equity and loan loss allowances on hand to cover it. This gives Idaho Banking Company a Texas Ratio of 198.62% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Idaho Banking Company held steady from 196.04% as of March 31, 2011 to 198.62% as of March 31, 2012, resulting in a negative change of 1.32%. This indicates that the balance sheet and financial strength for Idaho Banking Company has held steady in recent periods. | | Deposit Growth | | | In the past year, Idaho Banking Company has decreased its total deposits by -$44.6 million, resulting in -28.8% 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 Idaho Banking Company has shown is poor. | | Capitalization | | | 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. Idaho Banking Company has $120.2 million in assets with $9.99 million in equity, resulting in a capitalization level of 8.31%, which is average. |
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