Bank of Stockton

Bank of Stockton is headquartered in Stockton and is the 29^th largest bank in the state of California. It is also the 339^th largest bank in the nation. It was established in 1867 and as of December of 2011, it had grown to 354 employees at 16 locations. Bank of Stockton has a 4-star health rating.

Bank of Stockton Routing Number: 121101037

Data for Q4 2011

Institution Statistics Bank of Stockton FDIC Certificate # 1536 BankRate Report View Year Established 1867 Employees 354 Primary Regulator FDIC Assets and Liabilities Assets $2.05 billion Loans $977.52 million Deposits $1.72 billion Equity Capital $238.68 million Loan Loss Allowance $31.18 million Unbacked Noncurrent Loans $35.23 million Real Estate Owned $4.21 million Historic Data - December 2010 Assets $1.90 billion Equity Capital $210.19 million Loan Loss Allowance $29.11 million Unbacked Noncurrent Loans $19.57 million Real Estate Owned $852,000 Profit Margin - Quarterly Net Interest Margin 4.45% Return on Assets 0.7% Return on Equity 6.11% Interest Income $80.79 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, 2011 Bank of Stockton had $39.44 million in non-current loans and owned real-estate with $269.86 million in equity and loan loss allowances on hand to cover it. This gives Bank of Stockton a Texas Ratio of 14.62% 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 Stockton increased slightly from 8.54% as of December 31, 2010 to 14.62% as of December 31, 2011, resulting in a negative change of 71.25%. This indicates that the balance sheet and financial strength for Bank of Stockton has declined slightly in recent periods. Deposit Growth In the past year, Bank of Stockton has increased its total deposits by $97.4 million, resulting in 5.99% 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 Stockton 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 Stockton has $2.05 billion in assets with $269.86 million in equity, resulting in a capitalization level of 13.18%, which is excellent.

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