Central Arizona Bank

Central Arizona Bank is headquartered in Scottsdale and is the 28^th largest bank in the state of Arizona. It is also the 6,622^nd largest bank in the nation. It was established in 1997 and as of December of 2011, it had grown to 10 employees at 2 locations. Central Arizona Bank has a 1-star health rating.

Data for Q4 2011

Institution Statistics Central Arizona Bank FDIC Certificate # 34527 BankRate Report View Year Established 1997 Employees 10 Primary Regulator FDIC Assets and Liabilities Assets $41.98 million Loans $31.31 million Deposits $40.95 million Equity Capital $922,000 Loan Loss Allowance $1.80 million Unbacked Noncurrent Loans $4.07 million Real Estate Owned $2.19 million Historic Data - December 2010 Assets $75.59 million Equity Capital $1.72 million Loan Loss Allowance $2.55 million Unbacked Noncurrent Loans $5.09 million Real Estate Owned $2.77 million Profit Margin - Quarterly Net Interest Margin 3.66% Return on Assets -3.01% Return on Equity -130.11% Interest Income $2.46 million

Institution Health Overall Score: 1 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 Central Arizona Bank had $6.26 million in non-current loans and owned real-estate with $2.72 million in equity and loan loss allowances on hand to cover it. This gives Central Arizona Bank a Texas Ratio of 229.82% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Central Arizona Bank increased slightly from 183.84% as of December 31, 2010 to 229.82% as of December 31, 2011, resulting in a negative change of 25.01%. This indicates that the balance sheet and financial strength for Central Arizona Bank has declined slightly in recent periods. Deposit Growth In the past year, Central Arizona Bank has decreased its total deposits by -$32.69 million, resulting in -44.39% 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 Central Arizona 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. Central Arizona Bank has $41.98 million in assets with $2.72 million in equity, resulting in a capitalization level of 6.49%, which is below average.

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