America California Bank

America California Bank is headquartered in San Francisco and is the 206^th largest bank in the state of California. It is also the 4,379^th largest bank in the nation. It was established in 1972 and as of December of 2011, it had grown to 22 employees at 1 location. America California Bank has a 4-star health rating.

America California Bank Routing Number: 121031673

Data for Q4 2011

Institution Statistics America California Bank FDIC Certificate # 20726 BankRate Report View Year Established 1972 Employees 22 Primary Regulator FDIC Assets and Liabilities Assets $122.80 million Loans $93.75 million Deposits $95.52 million Equity Capital $15.35 million Loan Loss Allowance $1.84 million Unbacked Noncurrent Loans $2.47 million Real Estate Owned $1.27 million Historic Data - December 2010 Assets $127.33 million Equity Capital $13.29 million Loan Loss Allowance $2.66 million Unbacked Noncurrent Loans $3.07 million Real Estate Owned $3.30 million Profit Margin - Quarterly Net Interest Margin 3.33% Return on Assets 0.09% Return on Equity 0.73% Interest Income $5.83 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 December 31, 2011 America California Bank had $3.74 million in non-current loans and owned real-estate with $17.18 million in equity and loan loss allowances on hand to cover it. This gives America California Bank a Texas Ratio of 21.76% 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 America California Bank decreased significantly from 40.00% as of December 31, 2010 to 21.76% as of December 31, 2011, resulting in a positive change of 45.60%.This indicates that the balance sheet and financial strength for America California Bank has improved significantly in recent periods. Deposit Growth In the past year, America California Bank has decreased its total deposits by -$4.73 million, resulting in -4.72% 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 America California Bank has shown is below average. 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. America California Bank has $122.8 million in assets with $17.18 million in equity, resulting in a capitalization level of 13.99%, which is excellent.

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