Institution Statistics
| 1st Bank Yuma | | FDIC Certificate # | 57298 | | BankRate Report | View | | Year Established | 2001 | | Employees | 39 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $143.88 million | | Loans | $104.82 million | | Deposits | $123.99 million | | Equity Capital | $19.39 million | | Loan Loss Allowance | $1.61 million | | Unbacked Noncurrent Loans | $1.24 million | | Real Estate Owned | $108,000 |
Historic Data - December 2010 | | Assets | $134.13 million | | Equity Capital | $14.66 million | | Loan Loss Allowance | $1.48 million | | Unbacked Noncurrent Loans | $1.32 million | | Real Estate Owned | $708,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.27% | | Return on Assets | 0.94% | | Return on Equity | 7.71% | | Interest Income | $7.38 million |
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Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 1st Bank Yuma had $1.35 million in non-current loans and owned real-estate with $21.01 million in equity and loan loss allowances on hand to cover it. This gives 1st Bank Yuma a Texas Ratio of 6.42% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for 1st Bank Yuma decreased significantly from 12.54% as of December 31, 2010 to 6.42% as of December 31, 2011, resulting in a positive change of 48.77%.This indicates that the balance sheet and financial strength for 1st Bank Yuma has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, 1st Bank Yuma has increased its total deposits by $5.04 million, resulting in 4.23% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth 1st Bank Yuma has shown is above average. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. 1st Bank Yuma has $143.88 million in assets with $21.01 million in equity, resulting in a capitalization level of 14.60%, which is excellent. |
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