American Perspective Bank

American Perspective Bank is headquartered in San Luis Obispo and is the 127^th largest bank in the state of California. It is also the 2,472^nd largest bank in the nation. It was established in 2007 and as of December of 2011, it had grown to 38 employees at 2 locations. American Perspective Bank has a 5-star health rating.

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Data for Q4 2011

Institution Statistics American Perspective Bank FDIC Certificate # 58614 BankRate Report View Year Established 2007 Employees 38 Primary Regulator FDIC Assets and Liabilities Assets $259.16 million Loans $181.28 million Deposits $210.38 million Equity Capital $43.20 million Loan Loss Allowance $3.29 million Real Estate Owned $2.01 million Historic Data - December 2010 Assets $228.88 million Equity Capital $39.91 million Loan Loss Allowance $2.44 million Real Estate Owned $4.48 million Profit Margin - Quarterly Net Interest Margin 4.03% Return on Assets 1.14% Return on Equity 6.8% Interest Income $11.39 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 American Perspective Bank had $2.01 million in non-current loans and owned real-estate with $46.5 million in equity and loan loss allowances on hand to cover it. This gives American Perspective Bank a Texas Ratio of 4.33% 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 American Perspective Bank decreased significantly from 10.57% as of December 31, 2010 to 4.33% as of December 31, 2011, resulting in a positive change of 59.05%.This indicates that the balance sheet and financial strength for American Perspective Bank has improved significantly in recent periods. Deposit Growth In the past year, American Perspective Bank has increased its total deposits by $34.38 million, resulting in 19.54% 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 American Perspective 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. American Perspective Bank has $259.16 million in assets with $46.5 million in equity, resulting in a capitalization level of 17.94%, which is excellent.

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