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Overview / Commentary
3595 Mt. Diablo Blvd., 2nd Floor
Lafayette, CA 94549

California Bank of Commerce is headquartered in Lafayette and is the 108th largest bank in the state of California. It is also the 1,774th largest bank in the nation. It was established in 2007 and as of March of 2014, it had grown to 51 employees at 1 location. California Bank of Commerce has a A health rating.

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Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 California Bank of Commerce had $3.73 million in non-current loans and owned real-estate with $45.27 million in equity and loan loss allowances on hand to cover it. This gives California Bank of Commerce a Texas Ratio of 8.23% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C-

The Texas Ratio for California Bank of Commerce increased slightly from 3.20% as of March 31, 2013 to 8.23% as of March 31, 2014, resulting in a negative change of 157.43%. This indicates that the balance sheet and financial strength for California Bank of Commerce has declined slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, California Bank of Commerce has increased its total deposits by $22.31 million, resulting in 7.96% 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

GRADE:
A+

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 $372.81 million in assets with $45.27 million in equity, resulting in a capitalization level of 12.14%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #58583
Year Established2007
Employees51
Primary RegulatorFDIC
Assets and Liabilities
Assets$372.81 million
Loans$286.00 million
Deposits$302.75 million
Equity Capital$39.85 million
Loan Loss Allowance$5.42 million
Unbacked Noncurrent Loans$3.73 million
Real Estate Owned$0
Historic Data - March 2013
Assets$348.12 million
Equity Capital$37.23 million
Loan Loss Allowance$4.90 million
Unbacked Noncurrent Loans$3.73 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.14%
Return on Assets0.82%
Return on Equity7.68%
Interest Income$3.86 million
Rates

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Locations


California Bank of Commerce Locations
California Bank Of Commerce3595 Mt. Diablo Blvd., 2nd FloorLafayette, CA 94549