California Community Bank

California Community Bank is headquartered in Escondido and is the 134^th largest bank in the state of California. It is also the 2,609^th largest bank in the nation. It was established in 2003 and as of December of 2011, it had grown to 40 employees at 5 locations. California Community Bank has a 5-star health rating.

California Community Bank Routing Number: 122243648

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Data for Q4 2011

Institution Statistics California Community Bank FDIC Certificate # 57533 BankRate Report View Year Established 2003 Employees 40 Primary Regulator FDIC Assets and Liabilities Assets $243.78 million Loans $156.35 million Deposits $217.13 million Equity Capital $25.80 million Loan Loss Allowance $3.34 million Unbacked Noncurrent Loans $4.10 million Historic Data - December 2010 Assets $222.17 million Equity Capital $24.60 million Loan Loss Allowance $2.98 million Unbacked Noncurrent Loans $5.13 million Profit Margin - Quarterly Net Interest Margin 3.53% Return on Assets 0.37% Return on Equity 3.43% Interest Income $9.72 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 Community Bank had $4.1 million in non-current loans and owned real-estate with $29.14 million in equity and loan loss allowances on hand to cover it. This gives California Community Bank a Texas Ratio of 14.07% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for California Community Bank decreased slightly from 18.59% as of December 31, 2010 to 14.07% as of December 31, 2011, resulting in a positive change of 24.35%.This indicates that the balance sheet and financial strength for California Community Bank has improved slightly in recent periods. Deposit Growth In the past year, California Community Bank has increased its total deposits by $23.42 million, resulting in 12.09% 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 Community 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. California Community Bank has $243.78 million in assets with $29.14 million in equity, resulting in a capitalization level of 11.95%, which is above average.

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