Central Arizona Bank in Scottsdale, Arizona (AZ)
Overview, Financial Summary, Detailed Financial Reports, Branches


Central Arizona Bank - Overview

  • General
  • FDIC Certificate #: 34527
    Status: Active
    Federal Reserve ID: 2587998
    Bank Holding Company (Regulatory Top Holder): Capitol Bancorp Ltd. (RSSDID: 1247334, Location: Lansing, MI)
    Date Established: June 30, 1997
    WWW: http://www.centralarizonabank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 59034
    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: June 30, 1997
    Last Structure Change Effective Date: October 11, 2011
    Last Structure Change Process Date: October 28, 2011
    Last Data Update: October 28, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 7001 North Scottsdale Road, Suite 1000, Scottsdale, AZ 85253
    County: Maricopa
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: Chicago
    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)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $42.0 mil
    Equity capital: $0.9 mil
    Deposits held in domestic offices: $40.9 mil
    Return on assets (ROA): -3.01% (-$1.3 mil)
    Quarterly return on assets: -6.47% (-$2.7 mil)
    Return on Equity (ROE): -130.11% (-$1.3 mil)
    Quarterly return on equity: -254.35% (-$2.5 mil)
    Net income: -$1.8 mil
    Quarterly Net income: -$0.7 mil
    Pretax return on assets: -3.01% (-$1,263.5 mil)
    Quarterly Pretax return on assets: -6.47% (-$2,715.8 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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
  • 10Total employees (full-time equivalent)
  • $41,976Total assets
  • $7,368Cash and due from depository institutions
  • $3,940Interest-bearing balances
  • $33Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $31,307Net loans & leases
  • $1,801Loan loss allowance
  • $0Trading account assets
  • $244Bank premises and fixed assets
  • $2,188Other real estate owned
  • $0Goodwill and other intangibles
  • $41,976Life insurance assets
  • $836All other assets
  • $41,054Total liabilities and capital
  • $40,948Total liabilities
  • $33,126Total deposits
  • $40,948Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $106Subordinated debt
  • $922All other liabilities
  • $922Total equity capital
  • $922Total bank equity capital
  • $0Perpetual preferred stock
  • $2,418Common stock
  • $10,634Surplus
  • $-12,130Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,070Income earned, not collected on loans
  • $0Earning assets
  • $142Long-term assets (5+ years)
  • $35,280Average Assets, year-to-date
  • $2,483Average Assets, quarterly
  • $59,708Volatile liabilities
  • $44,283Insider loans
  • $34,723FHLB advances
  • $45,681Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $920Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,425Restructured Loans and leases
  • $605Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,457Total interest income
  • $520Total interest expense
  • $1,937Net interest income
  • $592Provision for loan and lease losses
  • $8Total noninterest income
  • $0Fiduciary activities
  • $84Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$76Additional noninterest income
  • $3,149Total noninterest expense
  • $1,184Salaries and employee benefits
  • $556Premises and equipment expense
  • $1,409Additional noninterest expense
  • -$1,796Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$1,796Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,796Net income attributable to bank
  • $0Net charge-offs
  • -$1,796Cash dividends
  • $1,343Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.64%Yield on earning assets
  • 0.98%Cost of funding earning assets
  • 3.66%Net interest margin
  • 0.02%Noninterest income to earning assets
  • 5.95%Noninterest expense to earning assets
  • -3.01%Net operating income to assets
  • -3.01%Return on assets (ROA)
  • -3.01%Pretax return on assets
  • -130.11%Return on equity (ROE)
  • -130.11%Retained earnings to average equity (YTD only)
  • 3.10%Net charge-offs to loans
  • 44.08%Credit loss provision to net charge-offs
  • -0.90%Efficiency ratio
  • 161,902Assets per employee
  • 4.20%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 5.44%Loss allowance to noncurrent loans
  • 44.25%Noncurrent assets plus other real estate owned to assets
  • 14.91%Noncurrent loans to loans
  • 12.29%Net loans and leases to deposits
  • 76.46%Net loans and leases to core deposits
  • 77.79%Equity capital to assets
  • 2.20%Core capital (leverage) ratio
  • 2.01%Tier 1 risk-based capital ratio
  • 2.65%Total risk-based capital ratio
  • Memoranda
  • $4Average assets
  • $59,708Average earning assets
  • $1,380Average equity
  • $52,951Average loans

List of branches

  • 2 Arizona Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    059034Central Arizona Bank7001 North Scottsdale Road, Suite 1000, Scottsdale, AZ 85253June 30, 1997Full Service Brick and Mortar
    2526397Casa Grande Branch1435 North Pinal Drive, Casa Grande, AZ 85122October 11, 2011Full Service Brick and Mortar

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