California Business Bank

California Business Bank Locations
800 West Sixth Street, Suite 1000
Los Angeles, CA 90017
www.californiabusinessbank.com

California Business Bank is headquartered in Los Angeles and is the 233rd largest bank in the state of California. It is also the 5,245th largest bank in the nation. It was established in 2005 and as of December of 2011, it had grown to 23 employees at 2 locations. California Business Bank has a 2-star health rating.

California Business Bank Routing Number: 122044119

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Data for Q4 2011


Institution Statistics


California Business Bank
FDIC Certificate #58037
BankRate ReportView
Year Established2005
Employees23
Primary RegulatorFDIC

Assets and Liabilities

Assets$88.76 million
Loans$61.66 million
Deposits$83.53 million
Equity Capital$5.00 million
Loan Loss Allowance$3.48 million
Unbacked Noncurrent Loans$4.83 million
Real Estate Owned$1.92 million

Historic Data - December 2010

Assets$97.20 million
Equity Capital$8.30 million
Loan Loss Allowance$3.11 million
Unbacked Noncurrent Loans$2.97 million
Real Estate Owned$2.12 million

Profit Margin - Quarterly

Net Interest Margin3.47%
Return on Assets-8.74%
Return on Equity-119.3%
Interest Income$3.90 million

Institution Health


Overall Score:
2 out of 5
2
Texas Ratio2
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 Business Bank had $6.75 million in non-current loans and owned real-estate with $8.47 million in equity and loan loss allowances on hand to cover it. This gives California Business Bank a Texas Ratio of 79.65% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend2
The Texas Ratio for California Business Bank increased slightly from 44.56% as of December 31, 2010 to 79.65% as of December 31, 2011, resulting in a negative change of 78.73%. This indicates that the balance sheet and financial strength for California Business Bank has declined slightly in recent periods.
Deposit Growth2
In the past year, California Business Bank has decreased its total deposits by -$2.34 million, resulting in -2.72% 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 Business Bank has shown is below average.
Capitalization3
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 Business Bank has $88.76 million in assets with $8.47 million in equity, resulting in a capitalization level of 9.54%, which is average.
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