Meridian Bank, National Association

Meridian Bank, National Association is headquartered in Wickenburg and is the 3^rd largest bank in the state of Arizona. It is also the 642^nd largest bank in the nation. It was established in 1978 and as of September of 2011, it had grown to 259 employees at 7 locations. Meridian Bank, National Association's savings rates are 25% higher than the national average, and it has a 4-star health rating.

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Data for Q3 2011

Institution Statistics Meridian Bank, National Association FDIC Certificate # 22644 BankRate Report View Year Established 1978 Employees 259 Primary Regulator OCC Assets and Liabilities Assets $1.04 billion Loans $666.57 million Deposits $783.92 million Equity Capital $185.81 million Loan Loss Allowance $23.98 million Unbacked Noncurrent Loans $19.82 million Real Estate Owned $3.97 million Historic Data - September 2010 Assets $1.36 billion Equity Capital $173.00 million Loan Loss Allowance $34.65 million Unbacked Noncurrent Loans $73.65 million Real Estate Owned $18.01 million Profit Margin - Quarterly Net Interest Margin 5.73% Return on Assets 1.5% Return on Equity 9.75% Interest Income $57.26 million

Institution Health Overall Score: 4 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 September 30, 2011 Meridian Bank, National Association had $23.79 million in non-current loans and owned real-estate with $209.79 million in equity and loan loss allowances on hand to cover it. This gives Meridian Bank, National Association a Texas Ratio of 11.34% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Meridian Bank, National Association decreased significantly from 44.14% as of September 30, 2010 to 11.34% as of September 30, 2011, resulting in a positive change of 74.31%.This indicates that the balance sheet and financial strength for Meridian Bank, National Association has improved significantly in recent periods. Deposit Growth In the past year, Meridian Bank, National Association has decreased its total deposits by -$305.93 million, resulting in -28.07% 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 Meridian Bank, National Association 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. Meridian Bank, National Association has $1.04 billion in assets with $209.79 million in equity, resulting in a capitalization level of 20.11%, which is excellent.

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