BNC National Bank

BNC National Bank is headquartered in Glendale and is the 4^th largest bank in the state of Arizona. It is also the 986^th largest bank in the nation. It was established in 2001 and as of December of 2011, it had grown to 256 employees at 20 locations. BNC National Bank has a 3-star health rating.

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Data for Q4 2011

Institution Statistics BNC National Bank FDIC Certificate # 57197 BankRate Report View Year Established 2001 Employees 256 Primary Regulator OCC Assets and Liabilities Assets $662.44 million Loans $351.20 million Deposits $576.89 million Equity Capital $67.09 million Loan Loss Allowance $10.63 million Unbacked Noncurrent Loans $6.16 million Real Estate Owned $10.15 million Historic Data - December 2010 Assets $745.18 million Equity Capital $59.72 million Loan Loss Allowance $14.77 million Unbacked Noncurrent Loans $17.86 million Real Estate Owned $12.71 million Profit Margin - Quarterly Net Interest Margin 3.4% Return on Assets 0.89% Return on Equity 9.69% Interest Income $25.75 million

Institution Health Overall Score: 3 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 BNC National Bank had $16.3 million in non-current loans and owned real-estate with $77.72 million in equity and loan loss allowances on hand to cover it. This gives BNC National Bank a Texas Ratio of 20.97% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for BNC National Bank decreased significantly from 41.02% as of December 31, 2010 to 20.97% as of December 31, 2011, resulting in a positive change of 48.87%.This indicates that the balance sheet and financial strength for BNC National Bank has improved significantly in recent periods. Deposit Growth In the past year, BNC National Bank has decreased its total deposits by -$85.09 million, resulting in -12.85% 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 BNC National Bank has shown is poor. 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. BNC National Bank has $662.44 million in assets with $77.72 million in equity, resulting in a capitalization level of 11.73%, which is above average.

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