UMB Bank Arizona, National Association in Phoenix, Arizona (AZ)
Overview, Financial Summary, Detailed Financial Reports, Branches

UMB Bank Arizona, National Association - Overview

  • General
  • FDIC Certificate #: 58155
    Status: Active
    Federal Reserve ID: 3375080
    Bank Holding Company (Regulatory Top Holder): Umb Financial Corporation (RSSDID: 1049828, Location: Kansas City, MO)
    Date Established: November 04, 2005
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 440782
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: November 04, 2005
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 2231 East Camelback Road, Suite 211, Phoenix, AZ 85016
    County: Maricopa
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: Kansas City
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $144.6 mil
    Equity capital: $15.5 mil
    Deposits held in domestic offices: $65.7 mil
    Return on assets (ROA): 0.23% ($0.3 mil)
    Quarterly return on assets: -1.00% (-$1.5 mil)
    Return on Equity (ROE): 2.38% ($0.4 mil)
    Quarterly return on equity: -10.20% (-$1.5 mil)
    Net income: $0.3 mil
    Quarterly Net income: -$0.3 mil
    Pretax return on assets: 0.36% ($520.7 mil)
    Quarterly Pretax return on assets: -1.54% (-$2,227.4 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
  • 13Total employees (full-time equivalent)
  • $144,637Total assets
  • $1,833Cash and due from depository institutions
  • $0Interest-bearing balances
  • $7,622Securities
  • $4,431Federal funds sold & reverse repurchase agreements
  • $125,577Net loans & leases
  • $2,315Loan loss allowance
  • $0Trading account assets
  • $3,588Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $144,637Life insurance assets
  • $1,586All other assets
  • $129,180Total liabilities and capital
  • $65,748Total liabilities
  • $38,945Total deposits
  • $65,748Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 63000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $432Subordinated debt
  • $15,457All other liabilities
  • $15,457Total equity capital
  • $15,457Total bank equity capital
  • $0Perpetual preferred stock
  • $10,000Common stock
  • $5,500Surplus
  • $-43Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,768Income earned, not collected on loans
  • $0Earning assets
  • $325Long-term assets (5+ years)
  • $137,630Average Assets, year-to-date
  • $9,193Average Assets, quarterly
  • $124,630Volatile liabilities
  • $139,059Insider loans
  • $155,736FHLB advances
  • $140,824Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $15,303Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $54,398Restructured Loans and leases
  • $12,086Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,301Total interest income
  • $368Total interest expense
  • $4,933Net interest income
  • $1,650Provision for loan and lease losses
  • $428Total noninterest income
  • $0Fiduciary activities
  • $208Service charges on deposit accounts
  • $0Trading account gains & fees
  • $220Additional noninterest income
  • $3,258Total noninterest expense
  • $1,870Salaries and employee benefits
  • $432Premises and equipment expense
  • $956Additional noninterest expense
  • $453Pre-tax net operating income
  • $0Securities gains (losses)
  • $161Applicable income taxes
  • $292Income before extraordinary items
  • $0Extraordinary gains - net
  • $292Net income attributable to bank
  • $0Net charge-offs
  • $292Cash dividends
  • $788Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.46%Yield on earning assets
  • 0.31%Cost of funding earning assets
  • 4.15%Net interest margin
  • 0.36%Noninterest income to earning assets
  • 2.74%Noninterest expense to earning assets
  • 0.23%Net operating income to assets
  • 0.23%Return on assets (ROA)
  • 0.36%Pretax return on assets
  • 2.38%Return on equity (ROE)
  • 2.38%Retained earnings to average equity (YTD only)
  • 0.73%Net charge-offs to loans
  • 209.39%Credit loss provision to net charge-offs
  • 2.67%Efficiency ratio
  • 60,772Assets per employee
  • 11.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.81%Loss allowance to noncurrent loans
  • 83.63%Noncurrent assets plus other real estate owned to assets
  • 1.91%Noncurrent loans to loans
  • 2.16%Net loans and leases to deposits
  • 191.00%Net loans and leases to core deposits
  • 215.00%Equity capital to assets
  • 10.69%Core capital (leverage) ratio
  • 10.87%Tier 1 risk-based capital ratio
  • 9.83%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $124,630Average earning assets
  • $12,291Average equity
  • $118,786Average loans

List of branches

  • 2 Arizona Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0440782Umb Bank Arizona, National Association2231 East Camelback Road, Suite 211, Phoenix, AZ 85016November 04, 2005Full Service Brick and Mortar
    1467936Scottsdale Banking Center Branch8800 East Raintree Drive, Suite 100, Scottsdale, AZ 85260July 23, 2007Full Service Brick and Mortar

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