Chinatrust Bank (U.S.A.)

Chinatrust Bank (U.S.A.) is headquartered in Torrance and is the 37^th largest bank in the state of California. It is also the 467^th largest bank in the nation. It was established in 1965 and as of March of 2012, it had grown to 276 employees at 12 locations. Chinatrust Bank (U.S.A.) has a 4-star health rating.

Data for Q1 2012

Institution Statistics Chinatrust Bank (U.S.A.) FDIC Certificate # 19416 BankRate Report View Year Established 1965 Employees 276 Primary Regulator FDIC Assets and Liabilities Assets $1.43 billion Loans $852.95 million Deposits $1.08 billion Equity Capital $269.02 million Loan Loss Allowance $33.94 million Unbacked Noncurrent Loans $16.61 million Real Estate Owned $420,000 Historic Data - March 2011 Assets $1.50 billion Equity Capital $242.89 million Loan Loss Allowance $43.08 million Unbacked Noncurrent Loans $10.51 million Profit Margin - Quarterly Net Interest Margin 3.21% Return on Assets 0.57% Return on Equity 3.01% Interest Income $12.26 million

Institution Health Overall Score: 4 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 March 31, 2012 Chinatrust Bank (U.S.A.) had $17.03 million in non-current loans and owned real-estate with $302.96 million in equity and loan loss allowances on hand to cover it. This gives Chinatrust Bank (U.S.A.) a Texas Ratio of 5.62% 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 Chinatrust Bank (U.S.A.) held steady from 3.67% as of March 31, 2011 to 5.62% as of March 31, 2012, resulting in a negative change of 53.03%. This indicates that the balance sheet and financial strength for Chinatrust Bank (U.S.A.) has held steady in recent periods. Deposit Growth In the past year, Chinatrust Bank (U.S.A.) has decreased its total deposits by -$98.26 million, resulting in -8.37% 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 Chinatrust Bank (U.S.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. Chinatrust Bank (U.S.A.) has $1.43 billion in assets with $302.96 million in equity, resulting in a capitalization level of 21.20%, which is excellent.

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