# UMB BANK ARIZONA NA
SCOTTSDALE, AZ · FDIC certificate 58155 · asset band <$300M · latest filing 2012-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $176.7M | |
| Deposits | $76.6M | |
| Loans and leases | $153.3M | |
| Total equity | $18.2M | |
| Loans / deposits | 198.16% (p100 of band) | 69.20% |
| Liquid assets / assets | 8.84% (p2 of band) | |
| Uninsured deposits / deposits | 20.34% (p91 of band) | 8.50% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 45.83% (p100 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.57% (p57 of band) | 10.13% |
| Unrealized securities loss / equity | 1.28% (p28 of band) | 3.81% |
| AOCI / equity | -0.02% (p21 of band) | |
| ROA (annualized) | 1.04% (p65 of band) | 0.80% |
| Net interest margin | 3.77% (p50 of band) | 3.77% |
| Efficiency ratio | 57.23% (p16 of band) | |
| Noncurrent loans | 0.42% (p27 of band) | 1.27% |
| Net charge-offs (annualized) | 0.78% (p91 of band) | |
| Reserve coverage of noncurrent | 221.60% | |
| Real estate % of loans | 36% | |
| Construction % of loans | 9.41% (p39 of band) | |
| Auto loans | $51,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 27.1% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 4 | liquid assets <10%, reserve under noncurrent | capital falling |
| 2012-03 | 4 | uninsured deposits leaving | liquid assets <10% |
| 2012-06 | 3 | charge-offs p90 | reserve under noncurrent, uninsured deposits leaving |
| 2012-09 | 5 | liquid assets <10%, capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58155 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/43.json (key "58155", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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