FDIC Certificate #: 57099 Status: Inactive Closing history: Absorption - Without Assistance Acquiring institution:The Foothills Bank (#34573) Federal Reserve ID: 2942524 Date Established: December 15, 2000 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 357584 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: December 15, 2000 Last Structure Change Effective Date: September 21, 2009 Last Structure Change Process Date: November 05, 2009 Last Data Update: November 05, 2009 Data Source Date: April 05, 2012
Location
Address: 2285 South 4th 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: $71.7 mil
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2008)
Dollar figures in thousands
15Total employees (full-time equivalent)
$73,030Total assets
$6,584Cash and due from depository institutions
$3,859Interest-bearing balances
$417Securities
$0Federal funds sold & reverse repurchase agreements
$63,220Net loans & leases
$730Loan loss allowance
$0Trading account assets
$336Bank premises and fixed assets
$0Other real estate owned
$1,234Goodwill and other intangibles
$0Life insurance assets
$1,239All other assets
$73,030Total liabilities and capital
$65,315Total liabilities
$54,728Total deposits
$36,733Interest-bearing deposits
$54,728Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$10,500Other borrowed funds
$0Subordinated debt
$87All other liabilities
$7,715Total equity capital
$7,715Total bank equity capital
$7,715Perpetual preferred stock
$0Common stock
$2,100Surplus
$3,547Undivided profits
Memoranda
$2,068Noncurrent loans and leases
$5,118Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,506Earning assets
$0Long-term assets (5+ years)
$252Average Assets, year-to-date
$67,496Average Assets, quarterly
$12,497Volatile liabilities
$75,291Insider loans
$73,745FHLB advances
$20,404Loans and leases held for sale
$1,151Unused loan commitments
$10,500Tier 1 (core) risk-based capital
$678Tier 2 risk-based capital
$146Total risk weighted assets
$5,118Total unused commitments
$35Restructured Loans and leases
$730Derivatives
Income and Expense (December 31, 2008)
Dollar figures in thousands
$4,936Total interest income
$1,595Total interest expense
$3,341Net interest income
$312Provision for loan and lease losses
$337Total noninterest income
$0Fiduciary activities
$159Service charges on deposit accounts
$0Trading account gains & fees
$178Additional noninterest income
$2,439Total noninterest expense
$1,035Salaries and employee benefits
$450Premises and equipment expense
$954Additional noninterest expense
$927Pre-tax net operating income
$0Securities gains (losses)
$362Applicable income taxes
$565Income before extraordinary items
$0Extraordinary gains - net
$565Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$107Sale, conversion, retirement of capital stock, net
$545Net operating income
Performance and Condition Ratios (December 31, 2008)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.04%Yield on earning assets
2.27%Cost of funding earning assets
4.77%Net interest margin
0.48%Noninterest income to earning assets
3.48%Noninterest expense to earning assets
0.75%Net operating income to assets
0.75%Return on assets (ROA)
1.23%Pretax return on assets
7.29%Return on equity (ROE)
0.26%Retained earnings to average equity (YTD only)
0.16%Net charge-offs to loans
291.59%Credit loss provision to net charge-offs
11.58%Efficiency ratio
66,313Assets per employee
4.87%Cash dividends to net income (YTD only)
Condition Ratios (%)
96.46%Loss allowance to loans
1.14%Loss allowance to noncurrent loans
48.47%Noncurrent assets plus other real estate owned to assets
2.06%Noncurrent loans to loans
2.35%Net loans and leases to deposits
115.52%Net loans and leases to core deposits
149.37%Equity capital to assets
10.56%Core capital (leverage) ratio
8.94%Tier 1 risk-based capital ratio
10.26%Total risk-based capital ratio
Memoranda
$11Average assets
$75,291Average earning assets
$7,756Average equity
$70,111Average loans
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