Bank Of Southern California, National Association

Bank Of Southern California, National Association is headquartered in San Diego and is the 155^th largest bank in the state of California. It is also the 3,233^rd largest bank in the nation. It was established in 2001 and as of December of 2012, it had grown to 39 employees at 6 locations. Bank Of Southern California, National Association has a 4-star health rating.

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Data for Q4 2012

Institution Statistics Bank of Southern California, N.A. FDIC Certificate # 57044 BankRate Report View Year Established 2001 Employees 39 Primary Regulator OCC Assets and Liabilities Assets $189.03 million Loans $148.78 million Deposits $163.84 million Equity Capital $23.32 million Loan Loss Allowance $2.45 million Unbacked Noncurrent Loans $5.14 million Historic Data - December 2011 Assets $187.97 million Equity Capital $23.35 million Loan Loss Allowance $2.73 million Unbacked Noncurrent Loans $3.58 million Real Estate Owned $476,000 Profit Margin - Quarterly Net Interest Margin 4.51% Return on Assets 0.59% Return on Equity 4.82% Interest Income $8.77 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, 2012 Bank Of Southern California, National Association had $5.14 million in non-current loans and owned real-estate with $25.77 million in equity and loan loss allowances on hand to cover it. This gives Bank Of Southern California, National Association a Texas Ratio of 19.96% 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 Southern California, National Association held steady from 16.40% as of December 31, 2011 to 19.96% as of December 31, 2012, resulting in a negative change of 21.66%. This indicates that the balance sheet and financial strength for Bank Of Southern California, National Association has held steady in recent periods. Deposit Growth In the past year, Bank Of Southern California, National Association has increased its total deposits by $1.41 million, resulting in 0.87% 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 Southern California, National Association 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 Southern California, National Association has $189.03 million in assets with $25.77 million in equity, resulting in a capitalization level of 13.63%, which is excellent.

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