Institution Statistics
| California Republic Bank | | FDIC Certificate # | 58663 | | BankRate Report | View | | Year Established | 2007 | | Employees | 77 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $405.58 million | | Loans | $281.60 million | | Deposits | $341.37 million | | Equity Capital | $47.61 million | | Loan Loss Allowance | $4.78 million |
Historic Data - December 2010 | | Assets | $313.26 million | | Equity Capital | $48.54 million | | Loan Loss Allowance | $2.78 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.21% | | Return on Assets | -0.51% | | Return on Equity | -3.75% | | Interest Income | $12.57 million |
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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 Republic Bank had $0 in non-current loans and owned real-estate with $52.38 million in equity and loan loss allowances on hand to cover it. This gives California Republic Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, California Republic Bank has increased its total deposits by $77.58 million, resulting in 29.41% 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 Republic 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 Republic Bank has $405.58 million in assets with $52.38 million in equity, resulting in a capitalization level of 12.92%, which is excellent. |
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