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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 8th largest bank in the state of Arizona. It is also the 2,269th largest bank in the nation. It was established in 1997 and as of December of 2013, it had grown to 65 employees at 7 locations. The Foothills Bank has a B health rating.

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Health

Data for Q4 2013

Institution Health

B

Texas Ratio

GRADE:
B

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, 2013 The Foothills Bank had $6.49 million in non-current loans and owned real-estate with $34.82 million in equity and loan loss allowances on hand to cover it. This gives The Foothills Bank a Texas Ratio of 18.65% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for The Foothills Bank experienced no significant changes from 19.81% as of December 31, 2012 to 18.65% as of December 31, 2013, resulting in a positive change of 5.85%.This indicates that the balance sheet and financial strength for The Foothills Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
C+

In the past year, The Foothills Bank has decreased its total deposits by -$2.44 million, resulting in -0.97% 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 average.

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 $283.29 million in assets with $34.82 million in equity, resulting in a capitalization level of 12.29%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #34573
Year Established1997
Employees65
Primary RegulatorFDIC
Assets and Liabilities
Assets$283.29 million
Loans$191.74 million
Deposits$250.14 million
Equity Capital$31.50 million
Loan Loss Allowance$3.32 million
Unbacked Noncurrent Loans$5.12 million
Real Estate Owned$1.38 million
Historic Data - December 2012
Assets$287.43 million
Equity Capital$33.43 million
Loan Loss Allowance$2.67 million
Unbacked Noncurrent Loans$5.12 million
Real Estate Owned$2.07 million
Profit Margin - Quarterly
Net Interest Margin4.62%
Return on Assets-0.55%
Return on Equity-4.72%
Interest Income$12.39 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