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Overview / Commentary
15821 Ventura Boulevard, Suite 100
Encino, CA 91436

California United Bank is headquartered in Encino and is the 45th largest bank in the state of California. It is also the 497th largest bank in the nation. It was established in 2005 and as of March of 2014, it had grown to 181 employees at 8 locations. California United Bank has a A+ health rating.

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Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 California United Bank had $5.15 million in non-current loans and owned real-estate with $155.11 million in equity and loan loss allowances on hand to cover it. This gives California United Bank a Texas Ratio of 3.32% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for California United Bank decreased dramatically from 7.43% as of March 31, 2013 to 3.32% as of March 31, 2014, resulting in a positive change of 55.28%.This indicates that the balance sheet and financial strength for California United Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, California United Bank has increased its total deposits by $117.23 million, resulting in 10.74% 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 United Bank has shown is excellent.

Capitalization

GRADE:
A

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 United Bank has $1.38 billion in assets with $155.11 million in equity, resulting in a capitalization level of 11.23%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #57904
Year Established2005
Employees181
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.38 billion
Loans$932.94 million
Deposits$1.21 billion
Equity Capital$144.29 million
Loan Loss Allowance$10.82 million
Unbacked Noncurrent Loans$5.15 million
Real Estate Owned$0
Historic Data - March 2013
Assets$1.26 billion
Equity Capital$132.49 million
Loan Loss Allowance$8.84 million
Unbacked Noncurrent Loans$5.15 million
Real Estate Owned$3.11 million
Profit Margin - Quarterly
Net Interest Margin3.8%
Return on Assets0.81%
Return on Equity7.88%
Interest Income$12.61 million
Rates

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Locations


California United Bank Locations
South Bay Branch1025 West 190th St., Suite 100Gardena, CA 90248
California United Bank15821 Ventura Boulevard, Suite 100Encino, CA 91436
West Los Angeles Regional Office1640 South Sepulveda Boulevard, Suite 114Los Angeles, CA 90025
Irvine-Newport Branch2201 Dupont Drive, Suite 140Irvine, CA 92612
Anaheim Branch2400 East Katella Avenue, Suite 125Anaheim, CA 92806
Santa Clarita Valley Regional Office25350 Magic Mountain Parkway, Suite 100Valencia, CA 91355
Simi Valley Branch2655 First Street, Suite 100Simi Valley, CA 93065
Thousand Oaks Branch50 West Hillcrest DriveThousand Oaks, CA 91360