California First National Bank

California First National Bank is headquartered in Irvine and is the 100^th largest bank in the state of California. It is also the 1,561^st largest bank in the nation. It was established in 2001 and as of December of 2012, it had grown to 93 employees at 1 location. California First National Bank's money market rates are 14% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2012

Institution Statistics California First National Bank FDIC Certificate # 35331 BankRate Report View Year Established 2001 Employees 93 Primary Regulator OCC Assets and Liabilities Assets $429.30 million Loans $323.67 million Deposits $332.86 million Equity Capital $85.91 million Loan Loss Allowance $4.45 million Unbacked Noncurrent Loans $2.09 million Historic Data - December 2011 Assets $357.03 million Equity Capital $80.86 million Loan Loss Allowance $3.58 million Unbacked Noncurrent Loans $124,000 Profit Margin - Quarterly Net Interest Margin 4.27% Return on Assets 1.12% Return on Equity 5.08% Interest Income $18.00 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, 2012 California First National Bank had $2.09 million in non-current loans and owned real-estate with $90.36 million in equity and loan loss allowances on hand to cover it. This gives California First National Bank a Texas Ratio of 2.31% 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 First National Bank held steady from 0.15% as of December 31, 2011 to 2.31% as of December 31, 2012, resulting in a negative change of 1,471.86%. This indicates that the balance sheet and financial strength for California First National Bank has held steady in recent periods. Deposit Growth In the past year, California First National Bank has increased its total deposits by $65.73 million, resulting in 24.61% 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 First National 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 First National Bank has $429.3 million in assets with $90.36 million in equity, resulting in a capitalization level of 21.05%, which is excellent.

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