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Overview / Commentary
208-332-0700
1750 Front Street
Boise, ID 83702

Northwest Bank (ID) is headquartered in Boise and is the 9th largest bank in the state of Idaho. It is also the 2,623rd largest bank in the nation. It was established in 2008 and as of December of 2013, it had grown to 51 employees at 3 locations. Northwest Bank (ID) has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
A+

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 December 31, 2013 Northwest Bank (ID) had $1.04 million in non-current loans and owned real-estate with $46.66 million in equity and loan loss allowances on hand to cover it. This gives Northwest Bank (ID) a Texas Ratio of 2.23% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Northwest Bank (ID) decreased dramatically from 6.21% as of December 31, 2012 to 2.23% as of December 31, 2013, resulting in a positive change of 64.15%.This indicates that the balance sheet and financial strength for Northwest Bank (ID) has improved dramatically in recent periods.

Deposit Growth

GRADE:
F

In the past year, Northwest Bank (ID) has decreased its total deposits by -$25.24 million, resulting in -11.45% 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 Northwest Bank (ID) has shown is poor.

Capitalization

GRADE:
A+

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. Northwest Bank (ID) has $242.85 million in assets with $46.66 million in equity, resulting in a capitalization level of 19.22%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #58752
Year Established2008
Employees51
Primary RegulatorFDIC
Assets and Liabilities
Assets$242.85 million
Loans$181.72 million
Deposits$195.27 million
Equity Capital$44.46 million
Loan Loss Allowance$2.21 million
Unbacked Noncurrent Loans$414,000
Real Estate Owned$625,000
Historic Data - December 2012
Assets$264.73 million
Equity Capital$42.96 million
Loan Loss Allowance$1.42 million
Unbacked Noncurrent Loans$414,000
Real Estate Owned$669,000
Profit Margin - Quarterly
Net Interest Margin5.13%
Return on Assets0.53%
Return on Equity2.96%
Interest Income$12.38 million
Rates

Sorry, we do not have rate data for Northwest Bank (ID)

Locations


Northwest Bank (ID) Locations
Northwest Bank1750 Front StreetBoise, ID 83702
Mobile Branch4900 Sw Meadows Road, Suite 400Lake Oswego, OR 97035
Lake Oswego Branch4900 Sw Meadows Road, Suite 410Lake Oswego, OR 97035