Bank of Marin

Bank of Marin is headquartered in Novato and is the 38^th largest bank in the state of California. It is also the 472^nd largest bank in the nation. It was established in 1990 and as of December of 2011, it had grown to 232 employees at 18 locations. Bank of Marin has a 5-star health rating.

Bank of Marin Routing Number: 121141877

Data for Q4 2011

Institution Statistics Bank of Marin FDIC Certificate # 32779 BankRate Report View Year Established 1990 Employees 232 Primary Regulator FDIC Assets and Liabilities Assets $1.39 billion Loans $1.02 billion Deposits $1.21 billion Equity Capital $132.76 million Loan Loss Allowance $14.64 million Unbacked Noncurrent Loans $11.97 million Historic Data - December 2010 Assets $1.21 billion Equity Capital $115.19 million Loan Loss Allowance $12.39 million Unbacked Noncurrent Loans $12.93 million Profit Margin - Quarterly Net Interest Margin 5.23% Return on Assets 1.22% Return on Equity 12.93% Interest Income $69.11 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 Bank of Marin had $11.97 million in non-current loans and owned real-estate with $147.4 million in equity and loan loss allowances on hand to cover it. This gives Bank of Marin a Texas Ratio of 8.12% which is above 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 Marin decreased slightly from 10.13% as of December 31, 2010 to 8.12% as of December 31, 2011, resulting in a positive change of 19.83%.This indicates that the balance sheet and financial strength for Bank of Marin has improved slightly in recent periods. Deposit Growth In the past year, Bank of Marin has increased its total deposits by $183.5 million, resulting in 17.95% 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 Marin 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. Bank of Marin has $1.39 billion in assets with $147.4 million in equity, resulting in a capitalization level of 10.58%, which is above average.

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