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Overview / Commentary
928-443-9595
107 East Willis Street
Prescott, AZ 86301

Country Bank (AZ) is headquartered in Prescott and is the 12st largest bank in the state of Arizona. It is also the 3,383rd largest bank in the nation. It was established in 2003 and as of December of 2013, it had grown to 48 employees at 4 locations. Country Bank (AZ) has a A health rating.

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Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A

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 Country Bank (AZ) had $2.05 million in non-current loans and owned real-estate with $20.07 million in equity and loan loss allowances on hand to cover it. This gives Country Bank (AZ) a Texas Ratio of 10.20% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Country Bank (AZ) decreased slightly from 14.18% as of December 31, 2012 to 10.20% as of December 31, 2013, resulting in a positive change of 28.06%.This indicates that the balance sheet and financial strength for Country Bank (AZ) has improved slightly in recent periods.

Deposit Growth

GRADE:
A

In the past year, Country Bank (AZ) has increased its total deposits by $6.96 million, resulting in 4.76% 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 Country Bank (AZ) has shown is excellent.

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. Country Bank (AZ) has $171.99 million in assets with $20.07 million in equity, resulting in a capitalization level of 11.67%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #57498
Year Established2003
Employees48
Primary RegulatorFDIC
Assets and Liabilities
Assets$171.99 million
Loans$93.76 million
Deposits$153.05 million
Equity Capital$18.65 million
Loan Loss Allowance$1.42 million
Unbacked Noncurrent Loans$1.23 million
Real Estate Owned$822,000
Historic Data - December 2012
Assets$164.01 million
Equity Capital$17.55 million
Loan Loss Allowance$1.88 million
Unbacked Noncurrent Loans$1.23 million
Real Estate Owned$1.10 million
Profit Margin - Quarterly
Net Interest Margin3.42%
Return on Assets0.74%
Return on Equity6.95%
Interest Income$5.60 million
Rates

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Country Bank (AZ) Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.05%--Personal Savings
0.05%--Business Savings

Country Bank (AZ) Money Market Rates

DetailsAPYMINMAXPRODUCT
0.20%$100k-Business Money Market
0.20%$100k-Personal Money Market

Country Bank (AZ) Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%--Country Gold Account
0.05%--Personal NOW Account

Country Bank (AZ) CD Rates

DetailsAPYMINMAXPRODUCT
1.31%$1k-5 Year CD
1.11%$1k-4 Year CD
1.00%$1k-3 Year CD
0.50%$1k-2 Year CD
0.40%$1k-12 to 23 Month CD
0.20%$1k-181 to 364 Day CD
0.15%$1k-90 to 180 Day CD
0.10%$1k-32 to 89 Day CD
0.09%$500-7 to 31 Day CD
Locations


Country Bank (AZ) Locations
Country Bank107 East Willis StreetPrescott, AZ 86301
Black Drive/Gail Gardner Branch1275 Gail Gardner WayPrescott, AZ 86303
Prescottvalley Branch3044 N Glassford Hill RoadPrescott Valley, AZ 86314
Cottonwood Branch597 E State Route 89aCottonwood, AZ 86326