# IDAHO BANKING CO
BOISE, ID · FDIC certificate 34317 · asset band <$300M · latest filing 2014-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 11 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $95.9M | |
| Deposits | $92.2M | |
| Loans and leases | $54.8M | |
| Total equity | $3.3M | |
| Loans / deposits | 55.25% (p26 of band) | 70.22% |
| Liquid assets / assets | 33.54% (p47 of band) | |
| Uninsured deposits / deposits | 5.05% (p14 of band) | 12.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 3.33% (p1 of band) | 10.41% |
| Unrealized securities loss / equity | 2.36% (p78 of band) | 0.24% |
| AOCI / equity | 0.21% (p26 of band) | |
| ROA (annualized) | -0.35% (p5 of band) | 0.79% |
| Net interest margin | 3.44% (p40 of band) | 3.62% |
| Efficiency ratio | 109.16% (p95 of band) | |
| Noncurrent loans | 6.82% (p97 of band) | 0.88% |
| Net charge-offs (annualized) | 0.64% (p95 of band) | |
| Reserve coverage of noncurrent | 101.79% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 18.40% (p54 of band) | |
| Auto loans | $40,000 (0.07% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -8.2% | |
| Employees | 31 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 9 | wholesale funding >15%, leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 9 | construction >100% equity | wholesale funding >15% |
| 2011-09 | 10 | capital falling |  |
| 2011-12 | 8 |  | construction >100% equity, capital falling |
| 2012-03 | 9 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, expense ratio p90 |
| 2012-06 | 11 | losing money, expense ratio p90 |  |
| 2012-09 | 11 |  |  |
| 2012-12 | 10 |  | uninsured deposits leaving |
| 2013-03 | 10 |  |  |
| 2013-06 | 8 |  | charge-offs p90, deposits shrinking |
| 2013-09 | 10 | charge-offs p90, deposits shrinking |  |
| 2013-12 | 8 |  | losing money, deposits shrinking |
| 2014-03 | 8 | losing money | assets shrinking |
| 2014-06 | 11 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2014-09-02 [Family-owned D.L. Evans Bank wants to expand statewide - Post Register](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPWnRUMHgzVVlEbDhUZkNqd1N1eEhSc3lnanprR0ppR0ZIWXByWDBqeHhqRWZHMHdJUHU5SHhxbDZ2cXFvY1BnRHpUSXZRUVhyTl9xV19QN2k0NEtKcXlfNmlWTlNjeGZvbC12a3FVb3BOcnNFX081Z1RJUjhyYW1XdTkxdS15ZzNkM0NYRldfRG54Z1VtTW4zbDRMVGMxSG92Mm5PVUpIUG5FbXAwUFBEQXpIU1lWWW11V3UxbEN3SVBqejZyRmJNZnBnZUw0V0ZMOVRqU3l4RXc?oc=5) · Post Register

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34317 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/13.json (key "34317", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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