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Idaho Independent Bank

Coeur D'Alene, ID · Cert 33845

FDIC · 11 branches

Q1 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2019, the quarter ended March 31, 2019, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Idaho Independent Bank

Coeur D'Alene, ID · Cert 33845

FDIC · 11 branches

Q1 2019

$728.0MAssets
$347.6MLoans
$601.2MDeposits
$80.6MEquity
Loan mix
80%RE $228.7M16%C&I $46.3M4%Consumer $12.4MQ1 2018Q1 2019
Deposit mix
64%Interest-bearing $384.7M36%Noninterest $216.5MQ1 2018Q1 2019

NIM

3.19%Q1 ’173.83%Q1 ’184.27%Q1 ’19+20%+8%

Non-interest income vs. expense

3.26%Q1 ’173.29%Q1 ’182.96%Q1 ’19+5%-15%

Market Position · Boise City, ID · 2018 SOD (annual) · 3.5% share · #8 of 20 inst. · $0.4B of $11.2B

2.9% Ada
5.6% Kootenai
6.7% Canyon
2.2% Blaine

Executive Summary

  • Earnings: ROA of 1.63%, up 81 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.10% of loans (-10 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.26%, up 132 bps from a year ago.
  • Funding: loans stand at 57.81% of deposits as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

1.63%+81 bps YoY

Net Interest Margin (YTD, annualized)

4.03%+31 bps YoY

Efficiency Ratio (YTD, annualized)

60.20%-1,185 bps YoY

Tier 1 Leverage Ratio

11.26%+132 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets0.82%0.94%1.04%1.39%1.63%+81 bps
Return on Equity8.57%9.85%10.81%14.31%15.21%+664 bps
Net Interest Margin3.73%3.58%3.59%3.64%4.03%+31 bps
Efficiency Ratio72.05%69.80%68.70%63.21%60.20%-1,185 bps
Non-Interest Burden2.45%2.22%2.18%1.88%2.08%-37 bps
Growth
Asset Growth (YoY)4.85%9.55%8.17%7.77%4.11%-74 bps
Loan Growth (YoY)10.90%2.21%-0.25%-2.09%-4.91%-1,581 bps
Deposit Growth (YoY)5.09%10.19%9.62%6.47%2.71%-238 bps
Asset Quality
Nonperforming Loans / Loans0.20%0.18%0.18%0.11%0.10%-10 bps
Net Charge-Offs / Loans0.58%0.22%0.14%0.12%0.01%-57 bps
Allowance / Loans1.69%1.75%1.73%1.76%1.81%+12 bps
Allowance Coverage of NPLs8.5x9.7x9.8x15.4x18.3x+9.9x
Capital
Tier 1 Leverage Ratio9.94%9.74%10.10%10.53%11.26%+132 bps
Total Risk-Based Capital16.11%16.64%17.47%18.77%20.16%+405 bps
Equity / Assets9.62%9.47%9.76%10.31%11.08%+146 bps
Liquidity & Funding
Loans / Deposits62.45%59.32%58.57%58.17%57.81%-463 bps
Liquid Assets / Assets31.20%32.79%34.03%37.07%37.06%+586 bps
CRE / Total Capitaln/an/an/an/an/an/an/a