California General Bank, N.A.

California General Bank, N.A. is headquartered in Pasadena and is the 136^th largest bank in the state of California. It is also the 2,665^th largest bank in the nation. It was established in 2009 and as of December of 2011, it had grown to 50 employees at 4 locations. California General Bank, N.A. has a 3-star health rating.

Data for Q4 2011

Institution Statistics Professional Business Bank FDIC Certificate # 58674 BankRate Report View Year Established 2009 Employees 50 Primary Regulator FDIC Assets and Liabilities Assets $239.45 million Loans $166.57 million Deposits $201.15 million Equity Capital $35.00 million Loan Loss Allowance $2.17 million Unbacked Noncurrent Loans $6.78 million Real Estate Owned $3.58 million Historic Data - December 2010 Assets $312.65 million Equity Capital $34.46 million Loan Loss Allowance $1.18 million Unbacked Noncurrent Loans $9.86 million Profit Margin - Quarterly Net Interest Margin 6.1% Return on Assets 0.05% Return on Equity 0.41% Interest Income $15.91 million

Institution Health Overall Score: 3 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 General Bank, N.A. had $10.36 million in non-current loans and owned real-estate with $37.17 million in equity and loan loss allowances on hand to cover it. This gives California General Bank, N.A. a Texas Ratio of 27.88% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for California General Bank, N.A. held steady from 27.50% as of December 31, 2010 to 27.88% as of December 31, 2011, resulting in a negative change of 1.37%. This indicates that the balance sheet and financial strength for California General Bank, N.A. has held steady in recent periods. Deposit Growth In the past year, California General Bank, N.A. has decreased its total deposits by -$73.93 million, resulting in -26.88% 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 General Bank, N.A. has shown is poor. 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 General Bank, N.A. has $239.45 million in assets with $37.17 million in equity, resulting in a capitalization level of 15.52%, which is excellent.

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