The Biltmore Bank of Arizona

The Biltmore Bank of Arizona is headquartered in Phoenix and is the 7^th largest bank in the state of Arizona. It is also the 2,195^th largest bank in the nation. It was established in 2003 and as of March of 2012, it had grown to 48 employees at 2 locations. The Biltmore Bank of Arizona has a 3-star health rating.

The Biltmore Bank of Arizona Routing Number: 122106002

Data for Q1 2012

Institution Statistics The Biltmore Bank of Arizona FDIC Certificate # 57479 BankRate Report View Year Established 2003 Employees 48 Primary Regulator FDIC Assets and Liabilities Assets $297.68 million Loans $157.14 million Deposits $273.20 million Equity Capital $23.46 million Loan Loss Allowance $3.03 million Unbacked Noncurrent Loans $8.54 million Real Estate Owned $819,000 Historic Data - March 2011 Assets $255.75 million Equity Capital $24.03 million Loan Loss Allowance $3.56 million Unbacked Noncurrent Loans $4.26 million Real Estate Owned $2.92 million Profit Margin - Quarterly Net Interest Margin 2.94% Return on Assets 0.13% Return on Equity 1.5% Interest Income $2.29 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 The Biltmore Bank of Arizona had $9.36 million in non-current loans and owned real-estate with $26.49 million in equity and loan loss allowances on hand to cover it. This gives The Biltmore Bank of Arizona a Texas Ratio of 35.34% 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 The Biltmore Bank of Arizona increased slightly from 26.03% as of March 31, 2011 to 35.34% as of March 31, 2012, resulting in a negative change of 35.79%. This indicates that the balance sheet and financial strength for The Biltmore Bank of Arizona has declined slightly in recent periods. Deposit Growth In the past year, The Biltmore Bank of Arizona has increased its total deposits by $42.54 million, resulting in 18.44% 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 The Biltmore Bank of Arizona has shown is excellent. 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. The Biltmore Bank of Arizona has $297.68 million in assets with $26.49 million in equity, resulting in a capitalization level of 8.90%, which is average.

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