Institution Statistics
| Idaho Banking Company | | FDIC Certificate # | 34317 | | BankRate Report | View | | Year Established | 1996 | | Employees | 38 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $147.87 million | | Loans | $92.81 million | | Deposits | $137.45 million | | Equity Capital | $4.47 million | | Loan Loss Allowance | $6.62 million | | Unbacked Noncurrent Loans | $11.19 million | | Real Estate Owned | $13.52 million |
Historic Data - September 2010 | | Assets | $195.36 million | | Equity Capital | $11.59 million | | Loan Loss Allowance | $10.06 million | | Unbacked Noncurrent Loans | $17.85 million | | Real Estate Owned | $14.65 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.16% | | Return on Assets | -3.75% | | Return on Equity | -95.47% | | Interest Income | $5.25 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 September 30, 2011 Idaho Banking Company had $24.71 million in non-current loans and owned real-estate with $11.1 million in equity and loan loss allowances on hand to cover it. This gives Idaho Banking Company a Texas Ratio of 222.70% 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 increased slightly from 150.20% as of September 30, 2010 to 222.70% as of September 30, 2011, resulting in a negative change of 48.27%. This indicates that the balance sheet and financial strength for Idaho Banking Company has declined slightly in recent periods. | | Deposit Growth | | | In the past year, Idaho Banking Company has decreased its total deposits by -$26.17 million, resulting in -15.99% 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 $147.87 million in assets with $11.1 million in equity, resulting in a capitalization level of 7.50%, which is below average. |
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