The Foothills Bank

The Foothills Bank is headquartered in Yuma and is the 6^th largest bank in the state of Arizona. It is also the 2,192^nd largest bank in the nation. It was established in 1997 and as of March of 2012, it had grown to 66 employees at 5 locations. The Foothills Bank has a 4-star health rating.

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Data for Q1 2012

Institution Statistics The Foothills Bank FDIC Certificate # 34573 BankRate Report View Year Established 1997 Employees 66 Primary Regulator FDIC Assets and Liabilities Assets $298.31 million Loans $193.07 million Deposits $265.18 million Equity Capital $31.54 million Loan Loss Allowance $2.47 million Unbacked Noncurrent Loans $4.38 million Real Estate Owned $1.85 million Historic Data - March 2011 Assets $223.64 million Equity Capital $27.51 million Loan Loss Allowance $1.69 million Unbacked Noncurrent Loans $5.53 million Real Estate Owned $1.48 million Profit Margin - Quarterly Net Interest Margin 4.59% Return on Assets 1.08% Return on Equity 10.11% Interest Income $3.30 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 The Foothills Bank had $6.22 million in non-current loans and owned real-estate with $34.01 million in equity and loan loss allowances on hand to cover it. This gives The Foothills Bank a Texas Ratio of 18.30% 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 The Foothills Bank decreased slightly from 24.00% as of March 31, 2011 to 18.30% as of March 31, 2012, resulting in a positive change of 23.75%.This indicates that the balance sheet and financial strength for The Foothills Bank has improved slightly in recent periods. Deposit Growth In the past year, The Foothills Bank has increased its total deposits by $70.17 million, resulting in 35.98% 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 Foothills Bank 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 Foothills Bank has $298.31 million in assets with $34.01 million in equity, resulting in a capitalization level of 11.40%, which is above average.

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