Idaho Independent Bank

Idaho Independent Bank is headquartered in Coeur D Alene and is the 7^th largest bank in the state of Idaho. It is also the 1,478^th largest bank in the nation. It was established in 1993 and as of March of 2012, it had grown to 182 employees at 12 locations. Idaho Independent Bank has a 3-star health rating.

Data for Q1 2012

Institution Statistics Idaho Independent Bank FDIC Certificate # 33845 BankRate Report View Year Established 1993 Employees 182 Primary Regulator FDIC Assets and Liabilities Assets $451.84 million Loans $230.57 million Deposits $368.44 million Equity Capital $56.13 million Loan Loss Allowance $6.73 million Unbacked Noncurrent Loans $27.20 million Real Estate Owned $9.38 million Historic Data - March 2011 Assets $447.74 million Equity Capital $55.80 million Loan Loss Allowance $8.68 million Unbacked Noncurrent Loans $23.83 million Real Estate Owned $13.12 million Profit Margin - Quarterly Net Interest Margin 3.57% Return on Assets -0.44% Return on Equity -3.45% Interest Income $3.81 million

Institution Health Overall Score: 3 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 Independent Bank had $36.59 million in non-current loans and owned real-estate with $62.85 million in equity and loan loss allowances on hand to cover it. This gives Idaho Independent Bank a Texas Ratio of 58.21% 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 Independent Bank held steady from 57.31% as of March 31, 2011 to 58.21% as of March 31, 2012, resulting in a negative change of 1.57%. This indicates that the balance sheet and financial strength for Idaho Independent Bank has held steady in recent periods. Deposit Growth In the past year, Idaho Independent Bank has increased its total deposits by $7.12 million, resulting in 1.97% 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 Independent Bank has shown is above 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 Independent Bank has $451.84 million in assets with $62.85 million in equity, resulting in a capitalization level of 13.91%, which is excellent.