Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.2 and a capital leverage ratio of 11.2. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Good (5.6) profitability.
Asset Mix:
Cash (27%), comm re (22%), home eq lns (18%), comm loans (9%), securities (5%), home mtgs (4%), consumer loans (4%), other (10%)
States with Branches:
ID
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Idaho Trust Bancorp
Investment Rating
--
Address
888 West Broad Street
Boise, ID 83702
Boise, ID 83702
Phone Number
(208) 373-6500
Year Founded
1994
FDIC Number
Website
Largest Affiliates
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