Southern Arizona Bank of Yuma in Yuma, Arizona (AZ)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 31, 1996

Southern Arizona Bank of Yuma in Yuma, Arizona (AZ)
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Southern Arizona Bank of Yuma - Overview

General
FDIC Certificate #: 23932
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: National Bank of Arizona (#20626)
Federal Reserve ID: 79967
Date Established: August 02, 1982
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Interstate: No)
FDIC's unique #: 16704
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: August 02, 1982
Last Structure Change Effective Date: May 31, 1996
Last Structure Change Process Date: June 06, 1996
Last Data Update: June 06, 1996
Data Source Date: April 05, 2012
Location
Address: 1800 South Fourth Avenue, Yuma, AZ 85364
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)
Financial Summary
Total assets: $146.3 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

Dollar figures in thousands
0Total employees (full-time equivalent)
$80Total assets
$137,605Cash and due from depository institutions
$8,655Interest-bearing balances
$594Securities
$1,887Federal funds sold & reverse repurchase agreements
$25,194Net loans & leases
$95,602Loan loss allowance
$2,467Trading account assets
$0Bank premises and fixed assets
$4,130Other real estate owned
$0Goodwill and other intangibles
$2,137Life insurance assets
$0All other assets
$0Total liabilities and capital
$137,605Total liabilities
$126,600Total deposits
$115,208Interest-bearing deposits
$80,311Deposits held in domestic offices
115208.00%% insured (estimated)
$89Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$10,526Subordinated debt
$0All other liabilities
$866Total equity capital
$866Total bank equity capital
$11,005Perpetual preferred stock
$0Common stock
$958Surplus
$3,600Undivided profits
Memoranda
$6,447Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$211Income earned, not collected on loans
$485Earning assets
$123,277Long-term assets (5+ years)
$18,014Average Assets, year-to-date
$120,584Average Assets, quarterly
$129,243Volatile liabilities
$23,664Insider loans
$1,009FHLB advances
$0Loans and leases held for sale
$1,108Unused loan commitments
$15,479Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$10,966Total risk weighted assets
$93,779Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$11,324Total interest expense
$3,683Net interest income
$7,641Provision for loan and lease losses
$401Total noninterest income
$807Fiduciary activities
$0Service charges on deposit accounts
$569Trading account gains & fees
$0Additional noninterest income
$238Total noninterest expense
$4,661Salaries and employee benefits
$2,453Premises and equipment expense
$655Additional noninterest expense
$1,553Pre-tax net operating income
$3,386Securities gains (losses)
$90Applicable income taxes
$1,325Income before extraordinary items
$2,151Extraordinary gains - net
$0Net income attributable to bank
$2,151Net charge-offs
$327Cash dividends
$684Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1995)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
10.42%Cost of funding earning assets
3.39%Net interest margin
7.03%Noninterest income to earning assets
0.74%Noninterest expense to earning assets
4.29%Net operating income to assets
1.74%Return on assets (ROA)
1.78%Pretax return on assets
2.88%Return on equity (ROE)
20.62%Retained earnings to average equity (YTD only)
14.06%Net charge-offs to loans
0.35%Credit loss provision to net charge-offs
122.63%Efficiency ratio
55,173Assets per employee
1.72%Cash dividends to net income (YTD only)
Condition Ratios (%)
31.80%Loss allowance to loans
2.52%Loss allowance to noncurrent loans
1169.19%Noncurrent assets plus other real estate owned to assets
0.15%Noncurrent loans to loans
0.22%Net loans and leases to deposits
82.98%Net loans and leases to core deposits
93.66%Equity capital to assets
8.00%Core capital (leverage) ratio
8.40%Tier 1 risk-based capital ratio
11.69%Total risk-based capital ratio
Memoranda
$13Average assets
$120,584Average earning assets
$10,432Average equity
$108,693Average loans

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