1st Bank Yuma in Yuma, Arizona (AZ)
Overview, Financial Summary, Detailed Financial Reports, Branches

1st Bank Yuma - Overview

  • General
  • FDIC Certificate #: 57298
    Status: Active
    Federal Reserve ID: 3048487
    Bank Holding Company (Regulatory Top Holder): Western Arizona Bancorp, Inc. (RSSDID: 3559844, Location: Yuma, AZ)
    Date Established: September 04, 2001
    WWW: http://www.1stbankyuma.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 360755
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: September 04, 2001
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 2799 South 4th Avenue, Yuma, AZ 85364
    County: Yuma
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Phoenix
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Yuma, AZ (#9360)
    Core Based Statistical Area (CBSA): Yuma, AZ (#49740)
    CBSA Metro Statistical Area: Yuma, AZ (#49740)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $143.9 mil
    Equity capital: $19.4 mil
    Deposits held in domestic offices: $124.0 mil
    Return on assets (ROA): 0.94% ($1.4 mil)
    Quarterly return on assets: 1.07% ($1.5 mil)
    Return on Equity (ROE): 7.71% ($1.5 mil)
    Quarterly return on equity: 7.88% ($1.5 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.38% ($1,985.5 mil)
    Quarterly Pretax return on assets: 1.58% ($2,273.2 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 39Total employees (full-time equivalent)
  • $143,876Total assets
  • $5,161Cash and due from depository institutions
  • $2,241Interest-bearing balances
  • $25,376Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $104,824Net loans & leases
  • $1,614Loan loss allowance
  • $0Trading account assets
  • $2,801Bank premises and fixed assets
  • $108Other real estate owned
  • $1,056Goodwill and other intangibles
  • $143,876Life insurance assets
  • $4,550All other assets
  • $124,484Total liabilities and capital
  • $123,994Total liabilities
  • $88,614Total deposits
  • $123,994Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 236.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $254Subordinated debt
  • $19,392All other liabilities
  • $19,392Total equity capital
  • $19,392Total bank equity capital
  • $0Perpetual preferred stock
  • $5,186Common stock
  • $9,913Surplus
  • $4,293Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,241Income earned, not collected on loans
  • $0Earning assets
  • $568Long-term assets (5+ years)
  • $132,441Average Assets, year-to-date
  • $42,182Average Assets, quarterly
  • $138,753Volatile liabilities
  • $141,436Insider loans
  • $117,222FHLB advances
  • $139,897Loans and leases held for sale
  • $2,760Unused loan commitments
  • $698Tier 1 (core) risk-based capital
  • $17,901Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,062Total unused commitments
  • $15,405Restructured Loans and leases
  • $5,474Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,382Total interest income
  • $660Total interest expense
  • $6,722Net interest income
  • $311Provision for loan and lease losses
  • $910Total noninterest income
  • $0Fiduciary activities
  • $404Service charges on deposit accounts
  • $0Trading account gains & fees
  • $506Additional noninterest income
  • $5,591Total noninterest expense
  • $2,837Salaries and employee benefits
  • $649Premises and equipment expense
  • $2,105Additional noninterest expense
  • $1,730Pre-tax net operating income
  • $179Securities gains (losses)
  • $599Applicable income taxes
  • $1,310Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,310Net income attributable to bank
  • $0Net charge-offs
  • $1,310Cash dividends
  • $178Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.79%Yield on earning assets
  • 0.52%Cost of funding earning assets
  • 5.27%Net interest margin
  • 0.71%Noninterest income to earning assets
  • 4.38%Noninterest expense to earning assets
  • 0.86%Net operating income to assets
  • 0.94%Return on assets (ROA)
  • 1.38%Pretax return on assets
  • 7.71%Return on equity (ROE)
  • 7.71%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 174.72%Credit loss provision to net charge-offs
  • 11.47%Efficiency ratio
  • 71,777Assets per employee
  • 3.69%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.52%Loss allowance to noncurrent loans
  • 130.06%Noncurrent assets plus other real estate owned to assets
  • 0.94%Noncurrent loans to loans
  • 1.17%Net loans and leases to deposits
  • 84.54%Net loans and leases to core deposits
  • 93.97%Equity capital to assets
  • 13.48%Core capital (leverage) ratio
  • 12.80%Tier 1 risk-based capital ratio
  • 15.27%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $138,753Average earning assets
  • $16,996Average equity
  • $127,545Average loans

List of branches

  • 4 Arizona Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03607551st Bank Yuma2799 South 4th Avenue, Yuma, AZ 85364September 04, 2001Full Service Brick and Mortar
    1246441Yuma Kbc Branch252 W. 32nd Street, Yuma, AZ 85364June 16, 1997Full Service Retail
    2244056Yuma Midtown Branch1690 South Fourth Avenue, Yuma, AZ 85364June 02, 1969Full Service Brick and Mortar
    3493457Fortuna Branch11600 South Fortuna Road, Yuma, AZ 85367December 08, 2008Full Service Cyber

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