Bay Commercial Bank

Bay Commercial Bank is headquartered in Walnut Creek and is the 124^th largest bank in the state of California. It is also the 2,368^th largest bank in the nation. It was established in 2004 and as of December of 2011, it had grown to 41 employees at 4 locations. Bay Commercial Bank has a 5-star health rating.

Bay Commercial Bank Routing Number: 121143781

Data for Q4 2011

Institution Statistics Bay Commercial Bank FDIC Certificate # 57716 BankRate Report View Year Established 2004 Employees 41 Primary Regulator FED Assets and Liabilities Assets $269.61 million Loans $209.67 million Deposits $219.82 million Equity Capital $48.52 million Loan Loss Allowance $2.45 million Unbacked Noncurrent Loans $1.36 million Real Estate Owned $900,000 Historic Data - December 2010 Assets $173.98 million Equity Capital $33.50 million Loan Loss Allowance $2.37 million Unbacked Noncurrent Loans $1.93 million Real Estate Owned $1.59 million Profit Margin - Quarterly Net Interest Margin 4.7% Return on Assets 3.8% Return on Equity 19.97% Interest Income $10.32 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 Bay Commercial Bank had $2.26 million in non-current loans and owned real-estate with $50.97 million in equity and loan loss allowances on hand to cover it. This gives Bay Commercial Bank a Texas Ratio of 4.42% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bay Commercial Bank decreased significantly from 9.82% as of December 31, 2010 to 4.42% as of December 31, 2011, resulting in a positive change of 54.94%.This indicates that the balance sheet and financial strength for Bay Commercial Bank has improved significantly in recent periods. Deposit Growth In the past year, Bay Commercial Bank has increased its total deposits by $80.36 million, resulting in 57.62% 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 Bay Commercial Bank 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. Bay Commercial Bank has $269.61 million in assets with $50.97 million in equity, resulting in a capitalization level of 18.90%, which is excellent.

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