Idaho Banking Company - Balance Sheets

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Unaudited

 

 

 

 

 

 

 

 

 

 

 

 

($ in Thousands)

 

 

 

 

 

 

 

 

 

 

 

 

As of December 31,

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

2003

 

 

2002

 

 

$ Change

 

% Change

Assets

 

 

 

 

 

 

 

 

 

 

 

 

 

Cash and due from banks

 

$

4,815

 

$

4,907

 

$

(92)

 

-2%

Interest bearing deposits with banks

 

3,134

 

 

3,775

 

 

(641)

 

-17%

Federal funds sold

 

 

 

7,147

 

 

1,671

 

 

5,476

 

328%

Investment securities

 

 

34,136

 

 

36,916

 

 

(2,780)

 

-8%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans receivable

 

 

 

88,612

 

 

71,340

 

 

17,272

 

24%

Allowance for loan losses

 

 

(1,541)

 

 

(1,410)

 

 

(131)

 

-9%

 

Net loans receivable

 

 

87,071

 

 

69,930

 

 

17,141

 

25%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Premises and equipment, net

 

 

2,086

 

 

1,435

 

 

651

 

45%

Other assets

 

 

 

1,108

 

 

1,295

 

 

(187)

 

-14%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total assets

 

 

$

139,497

 

$

119,929

 

$

19,568

 

16%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Liabilities

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposits:

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest-bearing demand

 

$

18,554

 

$

19,738

 

$

(1,184)

 

-6%

 

Interest-bearing demand

 

 

14,883

 

 

23,049

 

 

(8,166)

 

-35%

 

Savings

 

 

 

33,557

 

 

8,784

 

 

24,773

 

282%

 

Time deposits of less than $100,000

 

19,200

 

 

19,190

 

 

10

 

0%

 

Time deposits of $100,000 and more

 

33,918

 

 

28,749

 

 

5,169

 

18%

 

 

 

Total deposits

 

 

120,112

 

 

99,510

 

 

20,602

 

21%

Borrowed funds

 

 

 

7,304

 

 

8,783

 

 

(1,479)

 

-17%

Other liabilities

 

 

 

710

 

 

512

 

 

198

 

39%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total liabilities

 

 

 

128,126

 

 

108,805

 

 

19,321

 

18%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Shareholders' Equity

 

 

 

 

 

 

 

 

 

 

 

 

Common stock

 

 

 

4,240

 

 

4,209

 

 

31

 

1%

Capital surplus

 

 

 

6,695

 

 

6,636

 

 

59

 

1%

Retained earnings

 

 

 

425

 

 

64

 

 

361

 

564%

Accumulated other comprehensive

 

 

 

 

 

 

 

 

 

 

 

income

 

 

 

11

 

 

215

 

 

(204)

 

-95%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total shareholders' equity

 

 

11,371

 

 

11,124

 

 

247

 

2%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total liabilities and shareholders' equity

$

139,497

 

$

119,929

 

$

19,568

 

16%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Book value per share

 

$

13.41

 

$

13.21

 

$

0.20

 

2%

 

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Last Revised:  10/22/02