FDIC Certificate #: 58405 Status: Active Federal Reserve ID: 3592047 Date Established: April 02, 2007 WWW:http://www.goldwaterbank.com 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: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 450910 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: All Other Specialization < 1 Billion Date of Deposit Insurance: April 02, 2007 Last Structure Change Effective Date: December 08, 2011 Last Structure Change Process Date: December 08, 2011 Last Data Update: December 08, 2011 Data Source Date: April 05, 2012
Location
Address: 7135 East Camelback Road, Suite I-201, Scottsdale, AZ 85251 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: $154.2 mil Equity capital: $4.8 mil Deposits held in domestic offices: $148.1 mil Return on assets (ROA): -2.22% (-$3.4 mil) Quarterly return on assets: -1.51% (-$2.3 mil) Return on Equity (ROE): -61.24% (-$3.1 mil) Quarterly return on equity: -45.27% (-$2.3 mil) Net income: -$3.9 mil Quarterly Net income: -$0.6 mil Pretax return on assets: -2.22% (-$3,424.2 mil) Quarterly Pretax return on assets: -1.51% (-$2,329.0 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
118Total employees (full-time equivalent)
$154,241Total assets
$12,095Cash and due from depository institutions
$9,012Interest-bearing balances
$35,529Securities
$4,005Federal funds sold & reverse repurchase agreements
$90,032Net loans & leases
$2,136Loan loss allowance
$0Trading account assets
$1,271Bank premises and fixed assets
$5,616Other real estate owned
$429Goodwill and other intangibles
$154,241Life insurance assets
$5,264All other assets
$149,413Total liabilities and capital
$148,134Total liabilities
$145,249Total deposits
$148,134Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,279Subordinated debt
$4,828All other liabilities
$4,828Total equity capital
$4,828Total bank equity capital
$2,645Perpetual preferred stock
$11,035Common stock
$11,054Surplus
$-19,906Undivided profits
Memoranda
$0Noncurrent loans and leases
$32,424Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$7,865Income earned, not collected on loans
$0Earning assets
$444Long-term assets (5+ years)
$138,578Average Assets, year-to-date
$75,679Average Assets, quarterly
$176,182Volatile liabilities
$158,492Insider loans
$74,019FHLB advances
$159,071Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,033Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$8Restructured Loans and leases
$794Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$7,102Total interest income
$2,484Total interest expense
$4,618Net interest income
$2,332Provision for loan and lease losses
$13,043Total noninterest income
$0Fiduciary activities
$29Service charges on deposit accounts
$0Trading account gains & fees
$13,014Additional noninterest income
$19,760Total noninterest expense
$11,523Salaries and employee benefits
$1,380Premises and equipment expense
$6,857Additional noninterest expense
-$4,431Pre-tax net operating income
$518Securities gains (losses)
$0Applicable income taxes
-$3,913Income before extraordinary items
$0Extraordinary gains - net
-$3,913Net income attributable to bank
$0Net charge-offs
-$3,913Cash dividends
$3,723Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.43%Yield on earning assets
1.55%Cost of funding earning assets
2.88%Net interest margin
8.14%Noninterest income to earning assets
12.33%Noninterest expense to earning assets
-2.52%Net operating income to assets
-2.22%Return on assets (ROA)
-2.22%Pretax return on assets
-61.24%Return on equity (ROE)
-61.24%Retained earnings to average equity (YTD only)
4.24%Net charge-offs to loans
62.64%Credit loss provision to net charge-offs
-0.56%Efficiency ratio
111,885Assets per employee
1.31%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.32%Loss allowance to noncurrent loans
27.16%Noncurrent assets plus other real estate owned to assets
8.74%Noncurrent loans to loans
8.53%Net loans and leases to deposits
60.78%Net loans and leases to core deposits
70.68%Equity capital to assets
3.13%Core capital (leverage) ratio
3.16%Tier 1 risk-based capital ratio
6.80%Total risk-based capital ratio
Memoranda
$8Average assets
$176,182Average earning assets
$6,390Average equity
$160,285Average loans
List of branches
1 Arizona Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
450910
Goldwater Bank, N.A.
7135 East Camelback Road, Suite I-201, Scottsdale, AZ 85251
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You could definitely see your skills in the article you write. The arena hopes for even more passionate writers like you who are not afraid to mention how they believe. All the time go after your heart.
https://cutt.ly/swfEUZ4B
Best Regards
adcardz.com/sites/moneytraffic