SunBank, National Association

2200 East Camelback Road
Phoenix, AZ 85016
1-866-480-8199
www.sunbankaz.com

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SunBank, National Association is headquartered in Phoenix and is the 30^th largest bank in the state of Arizona. It is also the 6,818^st largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 78 employees at 16 locations. SunBank, National Association has a 3-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

SunBank, National Association Checking Account Rates

Apy	Min	Max	Product
0.05%	-	-	Platinum Checking
0.05%	-	-	Classic Checking

SunBank, National Association Savings Account Rates

	Apy	Min	Max	Product
	0.10%	-	-	Savings Account

SunBank, National Association Money Market Rates

Apy	Min	Max	Product
0.40%	$1m	-	Money Market Account
0.40%	$1m	-	Business Money Market Account

SunBank, National Association CD Rates

Apy	Min	Max	Product
1.50%	$500	-	60 Month CD
1.40%	$500	-	48 Month CD
1.20%	$500	-	36 Month CD
1.10%	$500	-	30 Month CD
1.00%	$500	-	24 Month CD
0.90%	$500	-	18 Month CD
0.80%	$500	-	15 Month CD
0.70%	$500	-	12 Month CD
0.50%	$500	-	9 Month CD
0.40%	$500	-	182 Day CD
0.20%	$500	-	91 Day CD
0.15%	$500	-	30 Day CD
0.00%	$500	-	7 Day CD

SunBank, National Association IRA Rates

Apy	Min	Max	Product
1.50%	$500	-	60 Month IRA
1.50%	$500	-	60 Month Roth IRA
1.50%	$500	-	60 Month CESA
1.50%	$500	-	60 Month SEP IRA
1.40%	$500	-	48 Month IRA
1.40%	$500	-	48 Month Roth IRA
1.40%	$500	-	48 Month CESA
1.40%	$500	-	48 Month SEP IRA
1.20%	$500	-	36 Month IRA
1.20%	$500	-	36 Month Roth IRA
1.20%	$500	-	36 Month CESA
1.20%	$500	-	36 Month SEP IRA
1.10%	$500	-	30 Month IRA
1.10%	$500	-	30 Month Roth IRA
1.10%	$500	-	30 Month CESA
1.10%	$500	-	30 Month SEP IRA
1.00%	$500	-	24 Month IRA
1.00%	$500	-	24 Month Roth IRA
1.00%	$500	-	24 Month CESA
1.00%	$500	-	24 Month SEP IRA
0.90%	$500	-	18 Month IRA
0.90%	$500	-	18 Month Roth IRA
0.90%	$500	-	18 Month CESA
0.90%	$500	-	18 Month SEP IRA
0.80%	$500	-	15 Month IRA
0.80%	$500	-	15 Month Roth IRA
0.80%	$500	-	15 Month CESA
0.80%	$500	-	15 Month SEP IRA
0.70%	$500	-	12 Month IRA
0.70%	$500	-	12 Month Roth IRA
0.70%	$500	-	12 Month CESA
0.70%	$500	-	12 Month SEP IRA
0.50%	$500	-	9 Month IRA
0.50%	$500	-	9 Month Roth IRA
0.50%	$500	-	9 Month CESA
0.50%	$500	-	9 Month SEP IRA
0.40%	$500	-	182 Day IRA
0.40%	$500	-	182 Day Roth IRA
0.40%	$500	-	182 Day CESA
0.40%	$500	-	182 Day SEP IRA
0.20%	$500	-	91 Day IRA
0.20%	$500	-	91 Day Roth IRA
0.20%	$500	-	91 Day CESA
0.20%	$500	-	91 Day SEP IRA

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

SunBank, National Association
FDIC Certificate #	58611
BankRate Report	View
Year Established	2007
Employees	78
Primary Regulator	OCC
Assets and Liabilities
Assets	$35.06 million
Loans	$5.08 million
Deposits	$27.48 million
Equity Capital	$7.34 million
Loan Loss Allowance	$1.30 million
Unbacked Noncurrent Loans	$2.32 million
Real Estate Owned	$1.75 million
Historic Data - March 2011
Assets	$57.15 million
Equity Capital	$7.59 million
Loan Loss Allowance	$1.92 million
Unbacked Noncurrent Loans	$6.83 million
Real Estate Owned	$3.66 million
Profit Margin - Quarterly
Net Interest Margin	1.65%
Return on Assets	0.31%
Return on Equity	1.42%
Interest Income	$114,000

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 SunBank, National Association had $4.07 million in non-current loans and owned real-estate with $8.64 million in equity and loan loss allowances on hand to cover it. This gives SunBank, National Association a Texas Ratio of 47.07% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for SunBank, National Association decreased significantly from 110.27% as of March 31, 2011 to 47.07% as of March 31, 2012, resulting in a positive change of 57.31%.This indicates that the balance sheet and financial strength for SunBank, National Association has improved significantly in recent periods.
Deposit Growth
In the past year, SunBank, National Association has decreased its total deposits by -$21.68 million, resulting in -44.1% 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 SunBank, 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. SunBank, National Association has $35.06 million in assets with $8.64 million in equity, resulting in a capitalization level of 24.64%, which is excellent.

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