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Overview / Commentary
928-305-5000
11689 South Foothills Boulevard
Yuma, AZ 85367

The Foothills Bank is headquartered in Yuma and is the 7th largest bank in the state of Arizona. It is also the 2,217st largest bank in the nation. It was established in 1997 and as of June of 2014, it had grown to 61 employees at 7 locations. The Foothills Bank has a A health rating.

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Health

Data for Q2 2014

Institution Health

A

Texas Ratio

GRADE:
B+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 The Foothills Bank had $4.44 million in non-current loans and owned real-estate with $37.2 million in equity and loan loss allowances on hand to cover it. This gives The Foothills Bank a Texas Ratio of 11.94% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for The Foothills Bank decreased slightly from 14.36% as of June 30, 2013 to 11.94% as of June 30, 2014, resulting in a positive change of 16.84%.This indicates that the balance sheet and financial strength for The Foothills Bank has improved slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, The Foothills Bank has increased its total deposits by $13.28 million, resulting in 5.43% 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 The Foothills Bank has shown is excellent.

Capitalization

GRADE:
A+

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. The Foothills Bank has $293.54 million in assets with $37.2 million in equity, resulting in a capitalization level of 12.67%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #34573
Year Established1997
Employees61
Primary RegulatorFDIC
Assets and Liabilities
Assets$293.54 million
Loans$192.41 million
Deposits$257.79 million
Equity Capital$33.92 million
Loan Loss Allowance$3.28 million
Unbacked Noncurrent Loans$3.87 million
Real Estate Owned$570,000
Historic Data - June 2013
Assets$279.67 million
Equity Capital$33.51 million
Loan Loss Allowance$3.29 million
Unbacked Noncurrent Loans$3.87 million
Real Estate Owned$1.48 million
Profit Margin - Quarterly
Return on Assets0.56%
Return on Equity4.95%
Interest Income$6.12 million
Rates

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Locations


The Foothills Bank Locations
The Foothills Bank11689 South Foothills BoulevardYuma, AZ 85367
Prescott Office122 N. CortezPrescott, AZ 86301
Casa Grande Branch1433 N. Pinal AveCasa Grande, AZ 85122
Chino Valley Office Branch1932 N. State Route 89Chino Valley, AZ 86323
Yuma Branch2201 S. Avenue AYuma, AZ 85364
4th Avenue Branch2285 South 4th AvenueYuma, AZ 85364
32nd Street Branch6024 E. 32nd StreetYuma, AZ 85365