California Pacific Bank

California Pacific Bank is headquartered in San Francisco and is the 223^rd largest bank in the state of California. It is also the 4,876^th largest bank in the nation. It was established in 1980 and as of December of 2011, it had grown to 12 employees at 2 locations. California Pacific Bank has a 3-star health rating.

California Pacific Bank Routing Number: 121038265

Data for Q4 2011

Institution Statistics California Pacific Bank FDIC Certificate # 23242 BankRate Report View Year Established 1980 Employees 12 Primary Regulator FDIC Assets and Liabilities Assets $102.63 million Loans $53.31 million Deposits $77.61 million Equity Capital $24.21 million Loan Loss Allowance $3.44 million Unbacked Noncurrent Loans $1.32 million Real Estate Owned $8.27 million Historic Data - December 2010 Assets $96.95 million Equity Capital $23.15 million Loan Loss Allowance $3.49 million Unbacked Noncurrent Loans $1.60 million Real Estate Owned $2.90 million Profit Margin - Quarterly Net Interest Margin 3.54% Return on Assets 0.95% Return on Equity 4.06% Interest Income $3.73 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 Pacific Bank had $9.59 million in non-current loans and owned real-estate with $27.64 million in equity and loan loss allowances on hand to cover it. This gives California Pacific Bank a Texas Ratio of 34.68% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for California Pacific Bank increased slightly from 16.89% as of December 31, 2010 to 34.68% as of December 31, 2011, resulting in a negative change of 105.27%. This indicates that the balance sheet and financial strength for California Pacific Bank has declined slightly in recent periods. Deposit Growth In the past year, California Pacific Bank has increased its total deposits by $4.39 million, resulting in 5.99% 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 Pacific 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 Pacific Bank has $102.63 million in assets with $27.64 million in equity, resulting in a capitalization level of 26.93%, which is excellent.

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