Borrego Springs Bank, National Association

Borrego Springs Bank, National Association is headquartered in La Mesa and is the 178^th largest bank in the state of California. It is also the 3,961^st largest bank in the nation. It was established in 1982 and as of December of 2012, it had grown to 72 employees at 4 locations. Borrego Springs Bank, National Association has a 3-star health rating.

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Data for Q4 2012

Institution Statistics Borrego Springs Bank, National Association FDIC Certificate # 24080 BankRate Report View Year Established 1982 Employees 72 Primary Regulator OCC Assets and Liabilities Assets $141.71 million Loans $96.98 million Deposits $121.08 million Equity Capital $15.97 million Loan Loss Allowance $3.68 million Unbacked Noncurrent Loans $2.38 million Real Estate Owned $4.37 million Historic Data - December 2011 Assets $131.30 million Equity Capital $13.03 million Loan Loss Allowance $3.56 million Unbacked Noncurrent Loans $1.10 million Real Estate Owned $4.13 million Profit Margin - Quarterly Net Interest Margin 4.93% Return on Assets 0.67% Return on Equity 6.53% Interest Income $6.67 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, 2012 Borrego Springs Bank, National Association had $6.74 million in non-current loans and owned real-estate with $19.64 million in equity and loan loss allowances on hand to cover it. This gives Borrego Springs Bank, National Association a Texas Ratio of 34.32% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Borrego Springs Bank, National Association increased slightly from 27.66% as of December 31, 2011 to 34.32% as of December 31, 2012, resulting in a negative change of 24.09%. This indicates that the balance sheet and financial strength for Borrego Springs Bank, National Association has declined slightly in recent periods. Deposit Growth In the past year, Borrego Springs Bank, National Association has increased its total deposits by $6.18 million, resulting in 5.38% 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 Borrego Springs Bank, National Association 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. Borrego Springs Bank, National Association has $141.71 million in assets with $19.64 million in equity, resulting in a capitalization level of 13.86%, which is excellent.

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