California Bank of Commerce

California Bank of Commerce is headquartered in Lafayette and is the 116^st largest bank in the state of California. It is also the 2,167^th largest bank in the nation. It was established in 2007 and as of December of 2011, it had grown to 39 employees at 1 location. California Bank of Commerce has a 5-star health rating.

California Bank of Commerce Routing Number: 121144696

Data for Q4 2011

Institution Statistics California Bank of Commerce FDIC Certificate # 58583 BankRate Report View Year Established 2007 Employees 39 Primary Regulator FDIC Assets and Liabilities Assets $298.39 million Loans $203.94 million Deposits $243.90 million Equity Capital $34.64 million Loan Loss Allowance $4.18 million Unbacked Noncurrent Loans $987,000 Historic Data - December 2010 Assets $239.57 million Equity Capital $26.96 million Loan Loss Allowance $4.33 million Unbacked Noncurrent Loans $2.03 million Profit Margin - Quarterly Net Interest Margin 3.69% Return on Assets 0.3% Return on Equity 2.64% Interest Income $10.69 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 California Bank of Commerce had $987,000 in non-current loans and owned real-estate with $38.82 million in equity and loan loss allowances on hand to cover it. This gives California Bank of Commerce a Texas Ratio of 2.54% 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 California Bank of Commerce decreased significantly from 6.49% as of December 31, 2010 to 2.54% as of December 31, 2011, resulting in a positive change of 60.79%.This indicates that the balance sheet and financial strength for California Bank of Commerce has improved significantly in recent periods. Deposit Growth In the past year, California Bank of Commerce has increased its total deposits by $60.29 million, resulting in 32.83% 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 California Bank of Commerce 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. California Bank of Commerce has $298.39 million in assets with $38.82 million in equity, resulting in a capitalization level of 13.01%, which is excellent.

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