Arizona Bank & Trust in Phoenix, Arizona (AZ)

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Arizona Bank & Trust routing number info

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Arizona Bank & Trust
GeneralFDIC 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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)83
Total assets$225,807
Cash and due from depository institutions$3,382
Interest-bearing balances$626
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$149,372
Loan loss allowance $4,626
Trading account assets$0
Bank premises and fixed assets$15,727
Other real estate owned$2,974
Goodwill and other intangibles$39
All other assets$8,856
Life insurance assets$225,807
Total liabilities and capital$204,757
Total liabilities$177,456
Total deposits$123,630
Interest-bearing deposits$177,456
Deposits held in domestic offices$86
% insured (estimated)15275.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$11,100
Other borrowed funds $0
Subordinated debt $926
All other liabilities $21,050
Total equity capital$21,050
Total bank equity capital$21,050
Perpetual preferred stock$0
Common stock$2,847
Undivided profits $-22,468
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $7,668
Income earned, not collected on loans $7,927
Earning assets $0
Long-term assets (5+ years) $762
Average Assets, year-to-date $195,455
Average Assets, quarterly $52,624
Volatile liabilities $224,806
Insider loans $223,644
FHLB advances $173,915
Loans and leases held for sale $221,233
Unused loan commitments $2,872
Tier 1 (core) risk-based capital $1,182
Tier 2 risk-based capital $18,814
Total risk weighted assets $1,690
Total unused commitments $0
Restructured Loans and leases $45,066
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,016
Total interest expense $1,993
Net interest income $8,023
Provision for loan and lease losses $6,347
Total noninterest income $3,188
Fiduciary activities $1,657
Service charges on deposit accounts $458
Trading account gains & fees $0
Additional noninterest income $1,073
Total noninterest expense $10,920
Salaries and employee benefits $4,908
Premises and equipment expense $1,188
Additional noninterest expense $4,824
Pre-tax net operating income -$6,056
Securities gains (losses) $867
Applicable income taxes -$2,121
Income before extraordinary items -$3,068
Extraordinary gains - net $0
Net income attributable to bank -$3,068
Net charge-offs $0
Cash dividends -$3,068
Sale, conversion, retirement of capital stock, net $7,128
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 assets5.14%
Cost of funding earning assets 1.02%
Net interest margin 4.11%
Noninterest income to earning assets 1.63%
Noninterest expense to earning assets 5.60%
Net operating income to assets -1.61%
Return on assets (ROA) -1.36%
Pretax return on assets -2.31%
Return on equity (ROE) -13.55%
Retained earnings to average equity (YTD only) -13.55%
Net charge-offs to loans 5.15%
Credit loss provision to net charge-offs 89.04%
Efficiency ratio0.04%
Assets per employee$96,923
Cash dividends to net income (YTD only)2.72%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 3.00%
Noncurrent assets plus other real estate owned to assets 58.36%
Noncurrent loans to loans 4.83%
Net loans and leases to deposits5.15%
Net loans and leases to core deposits 84.17%
Equity capital to assets 90.11%
Core capital (leverage) ratio 9.32%
Tier 1 risk-based capital ratio 8.50%
Total risk-based capital ratio 10.82%
Average assets$12
Average earning assets$224,806
Average equity $22,646
Average loans $195,042
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$140,939
Number of Accounts1
Personal trust and agency accounts$126,672
Employee benefit-defined contribution accounts$91,545
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$8,832
Investment management agency accounts$437
Other fiduciary accounts$24,362
Fiduciary accounts held in foreign offices$1,496
Non-managed Assets$0
Number of Accounts331
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$8,832
Employee benefit-defined benefit accounts$0
Other retirement accounts$14,267
Corporate trust and agency accounts$8,163
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$6,104
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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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