Arizona Bank & Trust in Phoenix, Arizona (AZ)
Overview, Financial Summary, Detailed Financial Reports, Branches

Arizona Bank & Trust - Overview

  • General
  • FDIC Certificate #: 57620
    Status: Active
    Federal Reserve ID: 3187612
    Bank Holding Company (Regulatory Top Holder): Heartland Financial Usa, Inc. (RSSDID: 1206546, Location: Dubuque, IA)
    Date Established: August 18, 2003
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    FDIC's unique #: 418590
    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: August 18, 2003
    Last Structure Change Effective Date: September 15, 2011
    Last Structure Change Process Date: September 15, 2011
    Last Data Update: September 15, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 2036 East Camelback Road, Phoenix, AZ 85016
    County: Maricopa
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Phoenix
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Phoenix-Mesa, AZ (#6200)
    Core Based Statistical Area (CBSA): Phoenix-Mesa-Glendale, AZ (#38060)
    CBSA Metro Statistical Area: Phoenix-Mesa-Glendale, AZ (#38060)
  • Financial Summary
  • Total assets: $225.8 mil
    Equity capital: $21.1 mil
    Deposits held in domestic offices: $177.5 mil
    Return on assets (ROA): -1.36% (-$3.1 mil)
    Quarterly return on assets: -2.15% (-$4.9 mil)
    Return on Equity (ROE): -13.55% (-$2.8 mil)
    Quarterly return on equity: -22.03% (-$4.6 mil)
    Net income: -$3.1 mil
    Quarterly Net income: -$1.2 mil
    Pretax return on assets: -2.31% (-$5,216.1 mil)
    Quarterly Pretax return on assets: -3.56% (-$8,038.7 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
  • 83Total employees (full-time equivalent)
  • $225,807Total assets
  • $3,382Cash and due from depository institutions
  • $626Interest-bearing balances
  • $45,457Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $149,372Net loans & leases
  • $4,626Loan loss allowance
  • $0Trading account assets
  • $15,727Bank premises and fixed assets
  • $2,974Other real estate owned
  • $39Goodwill and other intangibles
  • $225,807Life insurance assets
  • $8,856All other assets
  • $204,757Total liabilities and capital
  • $177,456Total liabilities
  • $123,630Total deposits
  • $177,456Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 15275.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $11,100Trading liabilities
  • $0Other borrowed funds
  • $926Subordinated debt
  • $21,050All other liabilities
  • $21,050Total equity capital
  • $21,050Total bank equity capital
  • $0Perpetual preferred stock
  • $2,847Common stock
  • $40,671Surplus
  • $-22,468Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $7,668Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,927Income earned, not collected on loans
  • $0Earning assets
  • $762Long-term assets (5+ years)
  • $195,455Average Assets, year-to-date
  • $52,624Average Assets, quarterly
  • $224,806Volatile liabilities
  • $223,644Insider loans
  • $173,915FHLB advances
  • $221,233Loans and leases held for sale
  • $2,872Unused loan commitments
  • $1,182Tier 1 (core) risk-based capital
  • $18,814Tier 2 risk-based capital
  • $1,690Total risk weighted assets
  • $0Total unused commitments
  • $45,066Restructured Loans and leases
  • $2,514Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,016Total interest income
  • $1,993Total interest expense
  • $8,023Net interest income
  • $6,347Provision for loan and lease losses
  • $3,188Total noninterest income
  • $1,657Fiduciary activities
  • $458Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,073Additional noninterest income
  • $10,920Total noninterest expense
  • $4,908Salaries and employee benefits
  • $1,188Premises and equipment expense
  • $4,824Additional noninterest expense
  • -$6,056Pre-tax net operating income
  • $867Securities gains (losses)
  • -$2,121Applicable income taxes
  • -$3,068Income before extraordinary items
  • $0Extraordinary gains - net
  • -$3,068Net income attributable to bank
  • $0Net charge-offs
  • -$3,068Cash dividends
  • $7,128Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.14%Yield on earning assets
  • 1.02%Cost of funding earning assets
  • 4.11%Net interest margin
  • 1.63%Noninterest income to earning assets
  • 5.60%Noninterest expense to earning assets
  • -1.61%Net operating income to assets
  • -1.36%Return on assets (ROA)
  • -2.31%Pretax return on assets
  • -13.55%Return on equity (ROE)
  • -13.55%Retained earnings to average equity (YTD only)
  • 5.15%Net charge-offs to loans
  • 89.04%Credit loss provision to net charge-offs
  • 0.04%Efficiency ratio
  • 96,923Assets per employee
  • 2.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.00%Loss allowance to noncurrent loans
  • 58.36%Noncurrent assets plus other real estate owned to assets
  • 4.83%Noncurrent loans to loans
  • 5.15%Net loans and leases to deposits
  • 84.17%Net loans and leases to core deposits
  • 90.11%Equity capital to assets
  • 9.32%Core capital (leverage) ratio
  • 8.50%Tier 1 risk-based capital ratio
  • 10.82%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $224,806Average earning assets
  • $22,646Average equity
  • $195,042Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $140,939Managed Assets
  • 1Number of Accounts
  • $126,672Personal trust and agency accounts
  • $91,545Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $8,832Corporate trust and agency accounts
  • $437Investment management agency accounts
  • $24,362Other fiduciary accounts
  • $1,496Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 331Number of Accounts
  • $0Personal trust and agency accounts
  • $8,832Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $14,267Other retirement accounts
  • $8,163Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $6,104Fiduciary accounts held in foreign offices

List of branches

  • 7 Arizona Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0418590Arizona Bank & Trust2036 East Camelback Road, Phoenix, AZ 85016August 18, 2003Full Service Brick and Mortar
    1428008Chandler Branch1000 North 54th Street, Chandler, AZ 85226May 03, 2004Full Service Brick and Mortar
    2433526Mesa Branch1331 West Southern Avenue, Mesa, AZ 85202December 02, 2004Full Service Brick and Mortar
    462126Tempe Branch7910 South Kyrene Road, Suite 108, Tempe, AZ 85284June 28, 1999Full Service Brick and Mortar
    5454910Chandler Village Branch3471 West Frye Road, Chandler, AZ 85226May 22, 2006Full Service Brick and Mortar
    6475487Crossroads Towne CenterGilbert And Germann Roads, Gilbert, AZ 85296October 15, 2007Full Service Brick and Mortar
    7493082Chandler Branch1000 North 54th Street, Chandler, AZ 85226July 15, 2008Full Service Brick and Mortar

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