Mohave State Bank

Mohave State Bank is headquartered in Lake Havasu City and is the 8^th largest bank in the state of Arizona. It is also the 2,260^th largest bank in the nation. It was established in 1991 and as of March of 2012, it had grown to 78 employees at 6 locations. Mohave State Bank has a 2-star health rating.

Mohave State Bank Routing Number: 122105472

Data for Q1 2012

Institution Statistics Mohave State Bank FDIC Certificate # 33508 BankRate Report View Year Established 1991 Employees 78 Primary Regulator FDIC Assets and Liabilities Assets $288.79 million Loans $191.56 million Deposits $253.54 million Equity Capital $28.23 million Loan Loss Allowance $4.13 million Unbacked Noncurrent Loans $10.12 million Real Estate Owned $18.87 million Historic Data - March 2011 Assets $310.34 million Equity Capital $26.33 million Loan Loss Allowance $8.21 million Unbacked Noncurrent Loans $21.10 million Real Estate Owned $16.97 million Profit Margin - Quarterly Net Interest Margin 4.5% Return on Assets 0.27% Return on Equity 2.75% Interest Income $3.05 million

Institution Health Overall Score: 2 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 Mohave State Bank had $28.99 million in non-current loans and owned real-estate with $32.35 million in equity and loan loss allowances on hand to cover it. This gives Mohave State Bank a Texas Ratio of 89.60% 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 Mohave State Bank decreased slightly from 110.25% as of March 31, 2011 to 89.60% as of March 31, 2012, resulting in a positive change of 18.73%.This indicates that the balance sheet and financial strength for Mohave State Bank has improved slightly in recent periods. Deposit Growth In the past year, Mohave State Bank has decreased its total deposits by -$9.28 million, resulting in -3.53% 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 Mohave State Bank 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. Mohave State Bank has $288.79 million in assets with $32.35 million in equity, resulting in a capitalization level of 11.20%, which is above average.