AltaPacific Bank

AltaPacific Bank is headquartered in Santa Rosa and is the 210^st largest bank in the state of California. It is also the 4,563^rd largest bank in the nation. It was established in 2006 and as of December of 2011, it had grown to 22 employees at 2 locations. AltaPacific Bank has a 5-star health rating.

AltaPacific Bank Routing Number: 121144311

Data for Q4 2011

Institution Statistics AltaPacific Bank FDIC Certificate # 58275 BankRate Report View Year Established 2006 Employees 22 Primary Regulator FED Assets and Liabilities Assets $115.22 million Loans $58.57 million Deposits $76.58 million Equity Capital $26.06 million Loan Loss Allowance $1.30 million Real Estate Owned $766,000 Historic Data - December 2010 Assets $79.81 million Equity Capital $26.86 million Loan Loss Allowance $1.42 million Real Estate Owned $781,000 Profit Margin - Quarterly Net Interest Margin 5.88% Return on Assets 0.32% Return on Equity 1.15% Interest Income $5.67 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 AltaPacific Bank had $766,000 in non-current loans and owned real-estate with $27.36 million in equity and loan loss allowances on hand to cover it. This gives AltaPacific Bank a Texas Ratio of 2.80% 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 AltaPacific Bank held steady from 2.76% as of December 31, 2010 to 2.80% as of December 31, 2011, resulting in a negative change of 1.39%. This indicates that the balance sheet and financial strength for AltaPacific Bank has held steady in recent periods. Deposit Growth In the past year, AltaPacific Bank has increased its total deposits by $29.24 million, resulting in 61.78% 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 AltaPacific 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. AltaPacific Bank has $115.22 million in assets with $27.36 million in equity, resulting in a capitalization level of 23.75%, which is excellent.

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