Idaho Trust Bank

Idaho Trust Bank is headquartered in Boise and is the 18^st largest bank in the state of Idaho. It is also the 5,657^th largest bank in the nation. It was established in 1994 and as of March of 2012, it had grown to 30 employees at 3 locations. Idaho Trust Bank has a 3-star health rating.

Data for Q1 2012

Institution Statistics Idaho Trust Bank FDIC Certificate # 35103 BankRate Report View Year Established 1994 Employees 30 Primary Regulator FDIC Assets and Liabilities Assets $74.23 million Loans $47.81 million Deposits $58.46 million Equity Capital $15.32 million Loan Loss Allowance $1.42 million Unbacked Noncurrent Loans $2.33 million Real Estate Owned $608,000 Historic Data - March 2011 Assets $78.98 million Equity Capital $16.78 million Loan Loss Allowance $1.17 million Unbacked Noncurrent Loans $3.18 million Real Estate Owned $824,000 Profit Margin - Quarterly Net Interest Margin 3.66% Return on Assets 1.27% Return on Equity 6.23% Interest Income $673,000

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 Trust Bank had $2.94 million in non-current loans and owned real-estate with $16.74 million in equity and loan loss allowances on hand to cover it. This gives Idaho Trust Bank a Texas Ratio of 17.56% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Idaho Trust Bank decreased slightly from 22.33% as of March 31, 2011 to 17.56% as of March 31, 2012, resulting in a positive change of 21.36%.This indicates that the balance sheet and financial strength for Idaho Trust Bank has improved slightly in recent periods. Deposit Growth In the past year, Idaho Trust Bank has decreased its total deposits by -$3.57 million, resulting in -5.76% 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 Trust Bank 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 Trust Bank has $74.22 million in assets with $16.74 million in equity, resulting in a capitalization level of 22.55%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.