MISSION BANK (AZ)

MISSION BANK (AZ) is headquartered in Kingman and is the 19^st largest bank in the state of Arizona. It is also the 5,139^th largest bank in the nation. It was established in 2001 and as of March of 2012, it had grown to 29 employees at 3 locations. MISSION BANK (AZ) has a 3-star health rating.

Data for Q1 2012

Institution Statistics Mission Bank FDIC Certificate # 57137 BankRate Report View Year Established 2001 Employees 29 Primary Regulator FDIC Assets and Liabilities Assets $92.99 million Loans $66.52 million Deposits $82.89 million Equity Capital $9.78 million Loan Loss Allowance $989,000 Unbacked Noncurrent Loans $567,000 Real Estate Owned $1.55 million Historic Data - March 2011 Assets $92.83 million Equity Capital $9.33 million Loan Loss Allowance $1.05 million Unbacked Noncurrent Loans $48,000 Real Estate Owned $1.46 million Profit Margin - Quarterly Net Interest Margin 4.5% Return on Assets 0.34% Return on Equity 3.16% Interest Income $1.08 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 March 31, 2012 MISSION BANK (AZ) had $2.12 million in non-current loans and owned real-estate with $10.77 million in equity and loan loss allowances on hand to cover it. This gives MISSION BANK (AZ) a Texas Ratio of 19.64% 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 MISSION BANK (AZ) increased slightly from 14.51% as of March 31, 2011 to 19.64% as of March 31, 2012, resulting in a negative change of 35.34%. This indicates that the balance sheet and financial strength for MISSION BANK (AZ) has declined slightly in recent periods. Deposit Growth In the past year, MISSION BANK (AZ) has increased its total deposits by $2.13 million, resulting in 2.64% 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 MISSION BANK (AZ) has shown is above 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. MISSION BANK (AZ) has $92.99 million in assets with $10.77 million in equity, resulting in a capitalization level of 11.59%, which is above average.

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