Southern Arizona Community Bank

Southern Arizona Community Bank is headquartered in Tucson and is the 5^th largest bank in the state of Arizona. It is also the 2,115^st largest bank in the nation. It was established in 1998 and as of March of 2012, it had grown to 64 employees at 2 locations. Southern Arizona Community Bank has a 4-star health rating.

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Southern Arizona Community Bank CD Rates

Data for Q1 2012

Institution Statistics Bank of Tucson FDIC Certificate # 34708 BankRate Report View Year Established 1998 Employees 64 Primary Regulator FDIC Assets and Liabilities Assets $308.76 million Loans $142.84 million Deposits $259.02 million Equity Capital $46.98 million Loan Loss Allowance $1.42 million Unbacked Noncurrent Loans $3.82 million Historic Data - March 2011 Assets $313.63 million Equity Capital $38.66 million Loan Loss Allowance $59,000 Unbacked Noncurrent Loans $2.11 million Real Estate Owned $207,000 Profit Margin - Quarterly Net Interest Margin 4.94% Return on Assets 0.31% Return on Equity 2.05% Interest Income $3.53 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 March 31, 2012 Southern Arizona Community Bank had $3.82 million in non-current loans and owned real-estate with $48.4 million in equity and loan loss allowances on hand to cover it. This gives Southern Arizona Community Bank a Texas Ratio of 7.89% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Southern Arizona Community Bank held steady from 6.04% as of March 31, 2011 to 7.89% as of March 31, 2012, resulting in a negative change of 30.71%. This indicates that the balance sheet and financial strength for Southern Arizona Community Bank has held steady in recent periods. Deposit Growth In the past year, Southern Arizona Community Bank has decreased its total deposits by -$13.14 million, resulting in -4.83% 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 Southern Arizona Community 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. Southern Arizona Community Bank has $308.76 million in assets with $48.4 million in equity, resulting in a capitalization level of 15.67%, which is excellent.

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