Armed Forces Bank of California, National Association

Armed Forces Bank of California, National Association is headquartered in San Diego and is the 237^th largest bank in the state of California. It is also the 6,942^nd largest bank in the nation. It was established in 1999 and as of December of 2012, it had grown to 60 employees at 8 locations. Armed Forces Bank of California, National Association has a 4-star health rating.

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Data for Q4 2012

Institution Statistics Armed Forces Bank of California, National Association FDIC Certificate # 35354 BankRate Report View Year Established 1999 Employees 60 Primary Regulator OCC Assets and Liabilities Assets $20.45 million Loans $3.27 million Deposits $14.18 million Equity Capital $5.68 million Loan Loss Allowance $146,000 Historic Data - December 2011 Assets $25.74 million Equity Capital $5.55 million Loan Loss Allowance $80,000 Profit Margin - Quarterly Net Interest Margin 1.43% Return on Assets 0.44% Return on Equity 1.71% Interest Income $275,000

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, 2012 Armed Forces Bank of California, National Association had $0 in non-current loans and owned real-estate with $5.82 million in equity and loan loss allowances on hand to cover it. This gives Armed Forces Bank of California, National Association a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Armed Forces Bank of California, National Association has decreased its total deposits by -$5.48 million, resulting in -27.88% 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 Armed Forces Bank of California, National Association has shown is poor. 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. Armed Forces Bank of California, National Association has $20.45 million in assets with $5.82 million in equity, resulting in a capitalization level of 28.46%, which is excellent.

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