The Foothills Bank in Yuma, Arizona (AZ)

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The Foothills Bank routing number info

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The Foothills Bank
GeneralFDIC Certificate #: 34573
Status: Active
Federal Reserve ID: 2626794
Date Established: November 03, 1997
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
LocationAddress: 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 ChangesParticipated in FDIC Assisted Absorption/Consolidation/Merger
Financial SummaryTotal 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)

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)
Total employees (full-time equivalent)65
Total assets$287,885
Cash and due from depository institutions$59,710
Interest-bearing balances$57,126
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
Undivided profits $15,154
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
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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
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.56%
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 ratio8.64%
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 deposits4.03%
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%
Average assets$12
Average earning assets$242,758
Average equity $28,792
Average loans $221,128
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5 Arizona Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
060630The Foothills Bank11689 South Foothills Boulevard, Yuma, AZ 85367November 03, 1997Full Service Brick and Mortar
1295007Yuma Branch2201 S. Avenue A, Yuma, AZ 85364Febuary 08, 1999Full Service Brick and Mortar
246723432nd Street Branch6024 E. 32nd Street, Yuma, AZ 85365November 01, 2006Full Service Brick and Mortar
33575844th Avenue Branch2285 South 4th Avenue, Yuma, AZ 85364December 15, 2000Full Service Brick and Mortar
4363686Summit Bank Branch201 North Montezuma St., Prescott, AZ 86301November 04, 2002Full Service Brick and Mortar
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