The Biltmore Bank of Arizona in Phoenix, Arizona (AZ)
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| The Biltmore Bank of Arizona | |
|---|---|
| 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 WWW: http://www.biltmorebankaz.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 #: 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) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 48 |
| Total assets | $261,333 |
| Cash and due from depository institutions | $30,965 |
| Interest-bearing balances | $28,168 |
| Securities | $59,651 |
| Federal funds sold & reverse repurchase agreements | $1,141 |
| Net loans & leases | $158,221 |
| Loan loss allowance | $3,249 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $6,424 |
| Other real estate owned | $477 |
| Goodwill and other intangibles | $0 |
| All other assets | $4,454 |
| Life insurance assets | $261,333 |
| Total liabilities and capital | $238,000 |
| Total liabilities | $236,947 |
| Total deposits | $202,203 |
| Interest-bearing deposits | $236,947 |
| Deposits held in domestic offices | $80 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $1,053 |
| All other liabilities | $23,333 |
| Total equity capital | $23,333 |
| Total bank equity capital | $23,333 |
| Perpetual preferred stock | $0 |
| Common stock | $2,027 |
| Surplus | $39,669 |
| Undivided profits | $-18,363 |
| 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 | $9,395 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $578 |
| Average Assets, year-to-date | $247,181 |
| Average Assets, quarterly | $81,412 |
| Volatile liabilities | $260,635 |
| Insider loans | $264,214 |
| FHLB advances | $189,108 |
| Loans and leases held for sale | $265,263 |
| Unused loan commitments | $310 |
| Tier 1 (core) risk-based capital | $310 |
| Tier 2 risk-based capital | $23,434 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $21,958 |
| Derivatives | $15,000 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $9,811 |
| Total interest expense | $1,813 |
| Net interest income | $7,998 |
| Provision for loan and lease losses | $977 |
| Total noninterest income | $174 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $141 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $33 |
| Total noninterest expense | $8,182 |
| Salaries and employee benefits | $4,683 |
| Premises and equipment expense | $1,074 |
| Additional noninterest expense | $2,425 |
| Pre-tax net operating income | -$987 |
| Securities gains (losses) | $40 |
| Applicable income taxes | $0 |
| Income before extraordinary items | -$947 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | -$947 |
| Net charge-offs | $0 |
| Cash dividends | -$947 |
| Sale, conversion, retirement of capital stock, net | $1,343 |
| Net operating income | $0 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.01% |
| Cost of funding earning assets | 0.74% |
| Net interest margin | 3.27% |
| Noninterest income to earning assets | 0.07% |
| Noninterest expense to earning assets | 3.34% |
| Net operating income to assets | -0.38% |
| Return on assets (ROA) | -0.36% |
| Pretax return on assets | -0.36% |
| Return on equity (ROE) | -3.97% |
| Retained earnings to average equity (YTD only) | -3.97% |
| Net charge-offs to loans | 0.84% |
| Credit loss provision to net charge-offs | 72.75% |
| Efficiency ratio | -0.01% |
| Assets per employee | $100,122 |
| Cash dividends to net income (YTD only) | 5.44% |
| Condition Ratios (%) | |
| Loss allowance to loans | 0.00% |
| Loss allowance to noncurrent loans | 2.01% |
| Noncurrent assets plus other real estate owned to assets | 34.58% |
| Noncurrent loans to loans | 3.78% |
| Net loans and leases to deposits | 5.82% |
| Net loans and leases to core deposits | 66.77% |
| Equity capital to assets | 92.63% |
| Core capital (leverage) ratio | 8.93% |
| Tier 1 risk-based capital ratio | 8.83% |
| Total risk-based capital ratio | 12.39% |
| Memoranda | |
| Average assets | $14 |
| Average earning assets | $260,635 |
| Average equity | $23,856 |
| Average loans | $244,955 |
| 2 Arizona Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 364103 | The Biltmore Bank Of Arizona | 5055 North 32nd Street, Phoenix, AZ 85018 | June 13, 2003 | Full Service Brick and Mortar |  |
| 1 | 463032 | Scottsdale Branch | 14850 North Scottsdale Road, Suite 100, Scottsdale, AZ 85254 | May 01, 2007 | Full Service Brick and Mortar |  |
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