Country Bank in Prescott, Arizona (AZ)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Country Bank in Prescott, Arizona (AZ)
  • Show street view No street view available for this location
Country Bank routing number info

Country Bank - Overview

  • General
  • FDIC Certificate #: 57498
    Status: Active
    Federal Reserve ID: 3165599
    Date Established: Febuary 03, 2003
    WWW: http://www.countrybankaz.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 364360
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: Febuary 03, 2003
    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: 107 East Willis Street, Prescott, AZ 86301
    County: Yavapai
    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
    Core Based Statistical Area (CBSA): Prescott, AZ (#39140)
    CBSA Metro Statistical Area: Prescott, AZ (#39140)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $154.4 mil
    Equity capital: $17.0 mil
    Deposits held in domestic offices: $137.2 mil
    Return on assets (ROA): 0.18% ($0.3 mil)
    Quarterly return on assets: -0.27% (-$0.4 mil)
    Return on Equity (ROE): 1.82% ($0.3 mil)
    Quarterly return on equity: -2.39% (-$0.4 mil)
    Net income: $0.3 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.18% ($277.8 mil)
    Quarterly Pretax return on assets: -0.27% (-$416.8 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
  • 45Total employees (full-time equivalent)
  • $154,353Total assets
  • $34,532Cash and due from depository institutions
  • $31,695Interest-bearing balances
  • $13,105Securities
  • $1,000Federal funds sold & reverse repurchase agreements
  • $93,860Net loans & leases
  • $2,126Loan loss allowance
  • $0Trading account assets
  • $6,304Bank premises and fixed assets
  • $1,316Other real estate owned
  • $0Goodwill and other intangibles
  • $154,353Life insurance assets
  • $4,236All other assets
  • $137,373Total liabilities and capital
  • $137,156Total liabilities
  • $116,713Total deposits
  • $137,156Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $217Subordinated debt
  • $16,980All other liabilities
  • $16,980Total equity capital
  • $16,980Total bank equity capital
  • $0Perpetual preferred stock
  • $14,124Common stock
  • $0Surplus
  • $2,856Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,162Income earned, not collected on loans
  • $0Earning assets
  • $367Long-term assets (5+ years)
  • $139,660Average Assets, year-to-date
  • $12,182Average Assets, quarterly
  • $149,720Volatile liabilities
  • $153,272Insider loans
  • $111,025FHLB advances
  • $154,014Loans and leases held for sale
  • $3,144Unused loan commitments
  • $1,216Tier 1 (core) risk-based capital
  • $16,886Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,928Total unused commitments
  • $18,563Restructured Loans and leases
  • $1,479Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,496Total interest income
  • $509Total interest expense
  • $5,987Net interest income
  • $1,500Provision for loan and lease losses
  • $569Total noninterest income
  • $0Fiduciary activities
  • $143Service charges on deposit accounts
  • $0Trading account gains & fees
  • $426Additional noninterest income
  • $4,780Total noninterest expense
  • $2,671Salaries and employee benefits
  • $601Premises and equipment expense
  • $1,508Additional noninterest expense
  • $276Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $276Income before extraordinary items
  • $0Extraordinary gains - net
  • $276Net income attributable to bank
  • $0Net charge-offs
  • $276Cash dividends
  • $1,096Sale, conversion, retirement of capital stock, net
  • $420Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.71%Yield on earning assets
  • 0.37%Cost of funding earning assets
  • 4.34%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 3.47%Noninterest expense to earning assets
  • 0.18%Net operating income to assets
  • 0.18%Return on assets (ROA)
  • 0.18%Pretax return on assets
  • 1.82%Return on equity (ROE)
  • -0.95%Retained earnings to average equity (YTD only)
  • 1.12%Net charge-offs to loans
  • 136.86%Credit loss provision to net charge-offs
  • 1.62%Efficiency ratio
  • 72,910Assets per employee
  • 3.43%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 152.17%Loss allowance to loans
  • 2.21%Loss allowance to noncurrent loans
  • 98.33%Noncurrent assets plus other real estate owned to assets
  • 2.25%Noncurrent loans to loans
  • 2.25%Net loans and leases to deposits
  • 68.43%Net loans and leases to core deposits
  • 69.84%Equity capital to assets
  • 11.00%Core capital (leverage) ratio
  • 10.96%Tier 1 risk-based capital ratio
  • 15.21%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $149,720Average earning assets
  • $15,126Average equity
  • $137,821Average loans

List of branches

  • 4 Arizona Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    0364360Country Bank107 East Willis Street, Prescott, AZ 86301Febuary 03, 2003Full Service Brick and Mortar
    1433280Black Drive/Gail Gardner Branch1275 Gail Gardner Way, Prescott, AZ 86303November 29, 2004Full Service Brick and Mortar
    2444970Cottonwood Branch597 E State Route 89a, Cottonwood, AZ 86326October 03, 2005Full Service Brick and Mortar
    3465815Prescottvalley Branch3044 N Glassford Hill Road, Prescott Valley, AZ 86314October 16, 2006Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Country Bank.
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.
Table of Contents