Bank of Agriculture and Commerce

Bank of Agriculture and Commerce is headquartered in Stockton and is the 85^th largest bank in the state of California. It is also the 1,417^st largest bank in the nation. It was established in 1965 and as of December of 2011, it had grown to 120 employees at 10 locations. Bank of Agriculture and Commerce has a 3-star health rating.

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Data for Q4 2011

Institution Statistics Bank of Agriculture and Commerce FDIC Certificate # 19434 BankRate Report View Year Established 1965 Employees 120 Primary Regulator FDIC Assets and Liabilities Assets $469.39 million Loans $330.17 million Deposits $403.63 million Equity Capital $47.20 million Loan Loss Allowance $4.50 million Unbacked Noncurrent Loans $14.05 million Real Estate Owned $1.24 million Historic Data - December 2010 Assets $472.16 million Equity Capital $45.83 million Loan Loss Allowance $4.33 million Unbacked Noncurrent Loans $5.83 million Real Estate Owned $469,000 Profit Margin - Quarterly Net Interest Margin 4.79% Return on Assets 0.37% Return on Equity 3.67% Interest Income $22.45 million

Institution Health Overall Score: 3 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 Bank of Agriculture and Commerce had $15.29 million in non-current loans and owned real-estate with $51.7 million in equity and loan loss allowances on hand to cover it. This gives Bank of Agriculture and Commerce a Texas Ratio of 29.58% 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 Bank of Agriculture and Commerce increased slightly from 12.56% as of December 31, 2010 to 29.58% as of December 31, 2011, resulting in a negative change of 135.38%. This indicates that the balance sheet and financial strength for Bank of Agriculture and Commerce has declined slightly in recent periods. Deposit Growth In the past year, Bank of Agriculture and Commerce has decreased its total deposits by -$3.72 million, resulting in -0.91% 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 Bank of Agriculture and Commerce has shown is 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. Bank of Agriculture and Commerce has $469.39 million in assets with $51.7 million in equity, resulting in a capitalization level of 11.01%, which is above average.

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