Chino Commercial Bank, N.A.

Chino Commercial Bank, N.A. is headquartered in Chino and is the 217^st largest bank in the state of California. It is also the 4,688^th largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 31 employees at 3 locations. Chino Commercial Bank, N.A. has a 4-star health rating.

Data for Q1 2012

Institution Statistics Chino Commercial Bank, N.A. FDIC Certificate # 35366 BankRate Report View Year Established 2000 Employees 31 Primary Regulator OCC Assets and Liabilities Assets $111.27 million Loans $53.96 million Deposits $99.64 million Equity Capital $10.82 million Loan Loss Allowance $1.54 million Unbacked Noncurrent Loans $2.47 million Historic Data - March 2011 Assets $114.70 million Equity Capital $10.18 million Loan Loss Allowance $1.45 million Unbacked Noncurrent Loans $4.10 million Profit Margin - Quarterly Net Interest Margin 3.82% Return on Assets 0.87% Return on Equity 9.01% Interest Income $1.00 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 Chino Commercial Bank, N.A. had $2.47 million in non-current loans and owned real-estate with $12.36 million in equity and loan loss allowances on hand to cover it. This gives Chino Commercial Bank, N.A. a Texas Ratio of 20.00% 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 Chino Commercial Bank, N.A. decreased significantly from 35.22% as of March 31, 2011 to 20.00% as of March 31, 2012, resulting in a positive change of 43.21%.This indicates that the balance sheet and financial strength for Chino Commercial Bank, N.A. has improved significantly in recent periods. Deposit Growth In the past year, Chino Commercial Bank, N.A. has decreased its total deposits by -$4.15 million, resulting in -4% 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 Chino Commercial Bank, N.A. has shown is below average. 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. Chino Commercial Bank, N.A. has $111.27 million in assets with $12.36 million in equity, resulting in a capitalization level of 11.11%, which is above average.

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