1st Bank Yuma in Yuma, Arizona (AZ)



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1st Bank Yuma
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)39
Total assets$143,876
Cash and due from depository institutions$5,161
Interest-bearing balances$2,241
Securities$25,376
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$104,824
Loan loss allowance $1,614
Trading account assets$0
Bank premises and fixed assets$2,801
Other real estate owned$108
Goodwill and other intangibles$1,056
All other assets$4,550
Life insurance assets$143,876
Total liabilities and capital$124,484
Total liabilities$123,994
Total deposits$88,614
Interest-bearing deposits$123,994
Deposits held in domestic offices$88
% insured (estimated)236.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $254
All other liabilities $19,392
Total equity capital$19,392
Total bank equity capital$19,392
Perpetual preferred stock$0
Common stock$5,186
Surplus$9,913
Undivided profits $4,293
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,241
Earning assets $0
Long-term assets (5+ years) $568
Average Assets, year-to-date $132,441
Average Assets, quarterly $42,182
Volatile liabilities $138,753
Insider loans $141,436
FHLB advances $117,222
Loans and leases held for sale $139,897
Unused loan commitments $2,760
Tier 1 (core) risk-based capital $698
Tier 2 risk-based capital $17,901
Total risk weighted assets $0
Total unused commitments $2,062
Restructured Loans and leases $15,405
Derivatives$5,474
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,382
Total interest expense $660
Net interest income $6,722
Provision for loan and lease losses $311
Total noninterest income $910
Fiduciary activities $0
Service charges on deposit accounts $404
Trading account gains & fees $0
Additional noninterest income $506
Total noninterest expense $5,591
Salaries and employee benefits $2,837
Premises and equipment expense $649
Additional noninterest expense $2,105
Pre-tax net operating income $1,730
Securities gains (losses) $179
Applicable income taxes $599
Income before extraordinary items $1,310
Extraordinary gains - net $0
Net income attributable to bank $1,310
Net charge-offs $0
Cash dividends $1,310
Sale, conversion, retirement of capital stock, net $178
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.79%
Cost of funding earning assets 0.52%
Net interest margin 5.27%
Noninterest income to earning assets 0.71%
Noninterest expense to earning assets 4.38%
Net operating income to assets 0.86%
Return on assets (ROA) 0.94%
Pretax return on assets 1.38%
Return on equity (ROE) 7.71%
Retained earnings to average equity (YTD only) 7.71%
Net charge-offs to loans 0.18%
Credit loss provision to net charge-offs 174.72%
Efficiency ratio11.47%
Assets per employee$71,777
Cash dividends to net income (YTD only)3.69%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.52%
Noncurrent assets plus other real estate owned to assets 130.06%
Noncurrent loans to loans 0.94%
Net loans and leases to deposits1.17%
Net loans and leases to core deposits 84.54%
Equity capital to assets 93.97%
Core capital (leverage) ratio 13.48%
Tier 1 risk-based capital ratio 12.80%
Total risk-based capital ratio 15.27%
Memoranda
Average assets$17
Average earning assets$138,753
Average equity $16,996
Average loans $127,545
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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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