The Biltmore Bank of Arizona in Phoenix, Arizona (AZ)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Biltmore Bank of Arizona - Overview

  • General
  • FDIC Certificate #: 57479
    Status: Active
    Federal Reserve ID: 3149012
    Bank Holding Company (Regulatory Top Holder): Bank Capital Corporation (RSSDID: 3149021, Location: Phoenix, AZ)
    Date Established: June 13, 2003
    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 #: 364103
    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 13, 2003
    Last Structure Change Effective Date: June 14, 2006
    Last Structure Change Process Date: June 14, 2006
    Last Data Update: June 14, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 5055 North 32nd Street, Phoenix, AZ 85018
    County: Maricopa
    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): 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: $261.3 mil
    Equity capital: $23.3 mil
    Deposits held in domestic offices: $236.9 mil
    Return on assets (ROA): -0.36% (-$0.9 mil)
    Quarterly return on assets: -0.05% (-$0.1 mil)
    Return on Equity (ROE): -3.97% (-$0.9 mil)
    Quarterly return on equity: -0.61% (-$0.1 mil)
    Net income: -$0.9 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: -0.36% (-$940.8 mil)
    Quarterly Pretax return on assets: -0.05% (-$130.7 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
  • 48Total employees (full-time equivalent)
  • $261,333Total assets
  • $30,965Cash and due from depository institutions
  • $28,168Interest-bearing balances
  • $59,651Securities
  • $1,141Federal funds sold & reverse repurchase agreements
  • $158,221Net loans & leases
  • $3,249Loan loss allowance
  • $0Trading account assets
  • $6,424Bank premises and fixed assets
  • $477Other real estate owned
  • $0Goodwill and other intangibles
  • $261,333Life insurance assets
  • $4,454All other assets
  • $238,000Total liabilities and capital
  • $236,947Total liabilities
  • $202,203Total deposits
  • $236,947Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,053Subordinated debt
  • $23,333All other liabilities
  • $23,333Total equity capital
  • $23,333Total bank equity capital
  • $0Perpetual preferred stock
  • $2,027Common stock
  • $39,669Surplus
  • $-18,363Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $9,395Income earned, not collected on loans
  • $0Earning assets
  • $578Long-term assets (5+ years)
  • $247,181Average Assets, year-to-date
  • $81,412Average Assets, quarterly
  • $260,635Volatile liabilities
  • $264,214Insider loans
  • $189,108FHLB advances
  • $265,263Loans and leases held for sale
  • $310Unused loan commitments
  • $310Tier 1 (core) risk-based capital
  • $23,434Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $21,958Restructured Loans and leases
  • $15,000Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,811Total interest income
  • $1,813Total interest expense
  • $7,998Net interest income
  • $977Provision for loan and lease losses
  • $174Total noninterest income
  • $0Fiduciary activities
  • $141Service charges on deposit accounts
  • $0Trading account gains & fees
  • $33Additional noninterest income
  • $8,182Total noninterest expense
  • $4,683Salaries and employee benefits
  • $1,074Premises and equipment expense
  • $2,425Additional noninterest expense
  • -$987Pre-tax net operating income
  • $40Securities gains (losses)
  • $0Applicable income taxes
  • -$947Income before extraordinary items
  • $0Extraordinary gains - net
  • -$947Net income attributable to bank
  • $0Net charge-offs
  • -$947Cash 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)
  • 4.01%Yield on earning assets
  • 0.74%Cost of funding earning assets
  • 3.27%Net interest margin
  • 0.07%Noninterest income to earning assets
  • 3.34%Noninterest expense to earning assets
  • -0.38%Net operating income to assets
  • -0.36%Return on assets (ROA)
  • -0.36%Pretax return on assets
  • -3.97%Return on equity (ROE)
  • -3.97%Retained earnings to average equity (YTD only)
  • 0.84%Net charge-offs to loans
  • 72.75%Credit loss provision to net charge-offs
  • -0.01%Efficiency ratio
  • 100,122Assets per employee
  • 5.44%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.01%Loss allowance to noncurrent loans
  • 34.58%Noncurrent assets plus other real estate owned to assets
  • 3.78%Noncurrent loans to loans
  • 5.82%Net loans and leases to deposits
  • 66.77%Net loans and leases to core deposits
  • 92.63%Equity capital to assets
  • 8.93%Core capital (leverage) ratio
  • 8.83%Tier 1 risk-based capital ratio
  • 12.39%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $260,635Average earning assets
  • $23,856Average equity
  • $244,955Average loans

List of branches

  • 2 Arizona Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0364103The Biltmore Bank Of Arizona5055 North 32nd Street, Phoenix, AZ 85018June 13, 2003Full Service Brick and Mortar
    1463032Scottsdale Branch14850 North Scottsdale Road, Suite 100, Scottsdale, AZ 85254May 01, 2007Full Service Brick and Mortar

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