1st Century Bank, National Association

1st Century Bank, National Association is headquartered in Los Angeles and is the 102^nd largest bank in the state of California. It is also the 1,630^th largest bank in the nation. It was established in 2004 and as of December of 2011, it had grown to 49 employees at 1 location. 1st Century Bank, National Association has a 5-star health rating.

Data for Q4 2011

Institution Statistics 1st Century Bank, National Association FDIC Certificate # 57657 BankRate Report View Year Established 2004 Employees 49 Primary Regulator OCC Assets and Liabilities Assets $405.11 million Loans $227.72 million Deposits $333.84 million Equity Capital $43.53 million Loan Loss Allowance $5.55 million Unbacked Noncurrent Loans $6.28 million Historic Data - December 2010 Assets $308.33 million Equity Capital $41.10 million Loan Loss Allowance $5.28 million Unbacked Noncurrent Loans $7.12 million Real Estate Owned $845,000 Profit Margin - Quarterly Net Interest Margin 3.31% Return on Assets 0.36% Return on Equity 3.04% Interest Income $12.21 million

Institution Health Overall Score: 5 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 December 31, 2011 1st Century Bank, National Association had $6.28 million in non-current loans and owned real-estate with $49.09 million in equity and loan loss allowances on hand to cover it. This gives 1st Century Bank, National Association a Texas Ratio of 12.79% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for 1st Century Bank, National Association decreased slightly from 17.17% as of December 31, 2010 to 12.79% as of December 31, 2011, resulting in a positive change of 25.51%.This indicates that the balance sheet and financial strength for 1st Century Bank, National Association has improved slightly in recent periods. Deposit Growth In the past year, 1st Century Bank, National Association has increased its total deposits by $72.62 million, resulting in 27.8% 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 1st Century Bank, National Association 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. 1st Century Bank, National Association has $405.11 million in assets with $49.09 million in equity, resulting in a capitalization level of 12.12%, which is excellent.

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