The Foothills Bank in Yuma, Arizona (AZ)
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| The Foothills Bank | |
|---|---|
| General | FDIC Certificate #: 34573 Status: Active Federal Reserve ID: 2626794 Date Established: November 03, 1997 WWW: http://www.thefoothillsbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 5 (Domestic: 5, Interstate: No) FDIC's unique #: 60630 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: November 03, 1997 Last Structure Change Effective Date: July 15, 2011 Last Structure Change Process Date: July 18, 2011 Last Data Update: July 18, 2011 Data Source Date: April 05, 2012 |
| Location | Address: 11689 South Foothills Boulevard, Yuma, AZ 85367 County: Yuma 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): Yuma, AZ (#9360) Core Based Statistical Area (CBSA): Yuma, AZ (#49740) CBSA Metro Statistical Area: Yuma, AZ (#49740) |
| History of Changes | Participated in FDIC Assisted Absorption/Consolidation/Merger |
| Financial Summary | Total assets: $287.9 mil Equity capital: $30.9 mil Deposits held in domestic offices: $253.5 mil Return on assets (ROA): 1.70% ($4.9 mil) Quarterly return on assets: 0.80% ($2.3 mil) Return on Equity (ROE): 14.29% ($4.4 mil) Quarterly return on equity: 7.47% ($2.3 mil) Net income: $4.1 mil Quarterly Net income: $0.6 mil Pretax return on assets: 2.70% ($7,772.9 mil) Quarterly Pretax return on assets: 1.31% ($3,771.3 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 65 |
| Total assets | $287,885 |
| Cash and due from depository institutions | $59,710 |
| Interest-bearing balances | $57,126 |
| Securities | $4,458 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $201,786 |
| Loan loss allowance | $2,600 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $4,255 |
| Other real estate owned | $3,491 |
| Goodwill and other intangibles | $5,335 |
| All other assets | $8,850 |
| Life insurance assets | $287,885 |
| Total liabilities and capital | $257,019 |
| Total liabilities | $253,473 |
| Total deposits | $194,886 |
| Interest-bearing deposits | $253,473 |
| Deposits held in domestic offices | $89 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $2,000 |
| Other borrowed funds | $0 |
| Subordinated debt | $1,546 |
| All other liabilities | $30,866 |
| Total equity capital | $30,866 |
| Total bank equity capital | $30,866 |
| Perpetual preferred stock | $0 |
| Common stock | $3,637 |
| Surplus | $12,075 |
| Undivided profits | $15,154 |
| 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 | $8,243 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $842 |
| Average Assets, year-to-date | $263,370 |
| Average Assets, quarterly | $47,403 |
| Volatile liabilities | $242,758 |
| Insider loans | $286,073 |
| FHLB advances | $226,644 |
| Loans and leases held for sale | $245,848 |
| Unused loan commitments | $5,340 |
| Tier 1 (core) risk-based capital | $5,340 |
| Tier 2 risk-based capital | $25,516 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $13,898 |
| Derivatives | $1,810 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $12,303 |
| Total interest expense | $872 |
| Net interest income | $11,431 |
| Provision for loan and lease losses | $1,953 |
| Total noninterest income | $5,539 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $407 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $5,132 |
| Total noninterest expense | $8,474 |
| Salaries and employee benefits | $3,720 |
| Premises and equipment expense | $1,154 |
| Additional noninterest expense | $3,600 |
| Pre-tax net operating income | $6,543 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $2,428 |
| Income before extraordinary items | $4,115 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $4,115 |
| Net charge-offs | $0 |
| Cash dividends | $4,115 |
| Sale, conversion, retirement of capital stock, net | $983 |
| Net operating income | $327 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.56% |
| Cost of funding earning assets | 0.39% |
| Net interest margin | 5.17% |
| Noninterest income to earning assets | 2.50% |
| Noninterest expense to earning assets | 3.83% |
| Net operating income to assets | 1.70% |
| Return on assets (ROA) | 1.70% |
| Pretax return on assets | 2.70% |
| Return on equity (ROE) | 14.29% |
| Retained earnings to average equity (YTD only) | 13.16% |
| Net charge-offs to loans | 0.55% |
| Credit loss provision to net charge-offs | 198.68% |
| Efficiency ratio | 8.64% |
| Assets per employee | $49,935 |
| Cash dividends to net income (YTD only) | 4.43% |
| Condition Ratios (%) | |
| Loss allowance to loans | 7.95% |
| Loss allowance to noncurrent loans | 1.27% |
| Noncurrent assets plus other real estate owned to assets | 31.54% |
| Noncurrent loans to loans | 4.08% |
| Net loans and leases to deposits | 4.03% |
| Net loans and leases to core deposits | 79.61% |
| Equity capital to assets | 80.99% |
| Core capital (leverage) ratio | 10.72% |
| Tier 1 risk-based capital ratio | 10.38% |
| Total risk-based capital ratio | 11.26% |
| Memoranda | |
| Average assets | $12 |
| Average earning assets | $242,758 |
| Average equity | $28,792 |
| Average loans | $221,128 |
| 5 Arizona Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 60630 | The Foothills Bank | 11689 South Foothills Boulevard, Yuma, AZ 85367 | November 03, 1997 | Full Service Brick and Mortar |  |
| 1 | 295007 | Yuma Branch | 2201 S. Avenue A, Yuma, AZ 85364 | Febuary 08, 1999 | Full Service Brick and Mortar |  |
| 2 | 467234 | 32nd Street Branch | 6024 E. 32nd Street, Yuma, AZ 85365 | November 01, 2006 | Full Service Brick and Mortar | |
| 3 | 357584 | 4th Avenue Branch | 2285 South 4th Avenue, Yuma, AZ 85364 | December 15, 2000 | Full Service Brick and Mortar | |
| 4 | 363686 | Summit Bank Branch | 201 North Montezuma St., Prescott, AZ 86301 | November 04, 2002 | Full Service Brick and Mortar | |
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Based on public records. Inadvertent errors are possible.
BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.