Canyon Community Bank, National Association

Canyon Community Bank, National Association is headquartered in Tucson and is the 20^th largest bank in the state of Arizona. It is also the 5,256^th largest bank in the nation. It was established in 2000 and as of December of 2011, it had grown to 28 employees at 4 locations. Canyon Community Bank, National Association has a 3-star health rating.

Data for Q4 2011

Institution Statistics Canyon Community Bank, National Association FDIC Certificate # 35547 BankRate Report View Year Established 2000 Employees 28 Primary Regulator OCC Assets and Liabilities Assets $88.47 million Loans $38.63 million Deposits $79.72 million Equity Capital $8.44 million Loan Loss Allowance $1.01 million Unbacked Noncurrent Loans $1.87 million Real Estate Owned $337,000 Historic Data - December 2010 Assets $92.32 million Equity Capital $9.67 million Loan Loss Allowance $993,000 Unbacked Noncurrent Loans $676,000 Real Estate Owned $883,000 Profit Margin - Quarterly Net Interest Margin 3.21% Return on Assets -1.48% Return on Equity -14.45% Interest Income $2.86 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 Canyon Community Bank, National Association had $2.21 million in non-current loans and owned real-estate with $9.45 million in equity and loan loss allowances on hand to cover it. This gives Canyon Community Bank, National Association a Texas Ratio of 23.35% 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 Canyon Community Bank, National Association increased slightly from 14.62% as of December 31, 2010 to 23.35% as of December 31, 2011, resulting in a negative change of 59.68%. This indicates that the balance sheet and financial strength for Canyon Community Bank, National Association has declined slightly in recent periods. Deposit Growth In the past year, Canyon Community Bank, National Association has decreased its total deposits by -$2.35 million, resulting in -2.86% 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 Canyon Community Bank, National Association has shown is below 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. Canyon Community Bank, National Association has $88.47 million in assets with $9.45 million in equity, resulting in a capitalization level of 10.68%, which is above average.

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