Idaho First Bank

Idaho First Bank is headquartered in Mccall and is the 15^st largest bank in the state of Idaho. It is also the 5,587^th largest bank in the nation. It was established in 2005 and as of March of 2012, it had grown to 23 employees at 1 location. Idaho First Bank has a 2-star health rating.

Idaho First Bank Routing Number: 124103838

Data for Q1 2012

Institution Statistics Idaho First Bank FDIC Certificate # 58095 BankRate Report View Year Established 2005 Employees 23 Primary Regulator FDIC Assets and Liabilities Assets $76.52 million Loans $65.24 million Deposits $69.40 million Equity Capital $4.73 million Loan Loss Allowance $874,000 Unbacked Noncurrent Loans $1.86 million Real Estate Owned $887,000 Historic Data - March 2011 Assets $77.50 million Equity Capital $4.67 million Loan Loss Allowance $1.18 million Unbacked Noncurrent Loans $2.42 million Real Estate Owned $866,000 Profit Margin - Quarterly Net Interest Margin 3.86% Return on Assets 0.12% Return on Equity 1.95% Interest Income $932,000

Institution Health Overall Score: 2 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 First Bank had $2.74 million in non-current loans and owned real-estate with $5.6 million in equity and loan loss allowances on hand to cover it. This gives Idaho First Bank a Texas Ratio of 48.97% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Idaho First Bank held steady from 56.11% as of March 31, 2011 to 48.97% as of March 31, 2012, resulting in a positive change of 12.73%.This indicates that the balance sheet and financial strength for Idaho First Bank has held steady in recent periods. Deposit Growth In the past year, Idaho First Bank has decreased its total deposits by $-86,000, resulting in -0.12% 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 First Bank has shown is average. 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 First Bank has $76.52 million in assets with $5.6 million in equity, resulting in a capitalization level of 7.32%, which is below average.

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