Coast National Bank

Coast National Bank is headquartered in San Luis Obispo and is the 197^th largest bank in the state of California. It is also the 4,237^th largest bank in the nation. It was established in 1997 and as of March of 2012, it had grown to 46 employees at 5 locations. Coast National Bank has a 3-star health rating.

Coast National Bank Routing Number: 122242526

Data for Q1 2012

Institution Statistics Coast National Bank FDIC Certificate # 34381 BankRate Report View Year Established 1997 Employees 46 Primary Regulator OCC Assets and Liabilities Assets $130.51 million Loans $79.15 million Deposits $123.23 million Equity Capital $6.95 million Loan Loss Allowance $3.64 million Unbacked Noncurrent Loans $2.91 million Real Estate Owned $1.86 million Historic Data - March 2011 Assets $139.66 million Equity Capital $10.07 million Loan Loss Allowance $3.48 million Unbacked Noncurrent Loans $5.51 million Real Estate Owned $4.08 million Profit Margin - Quarterly Net Interest Margin 4.08% Return on Assets -0.63% Return on Equity -11.68% Interest Income $1.29 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 March 31, 2012 Coast National Bank had $4.77 million in non-current loans and owned real-estate with $10.59 million in equity and loan loss allowances on hand to cover it. This gives Coast National Bank a Texas Ratio of 45.10% 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 Coast National Bank decreased slightly from 73.06% as of March 31, 2011 to 45.10% as of March 31, 2012, resulting in a positive change of 38.28%.This indicates that the balance sheet and financial strength for Coast National Bank has improved slightly in recent periods. Deposit Growth In the past year, Coast National Bank has decreased its total deposits by -$5.76 million, resulting in -4.46% 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 Coast National Bank 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. Coast National Bank has $130.51 million in assets with $10.59 million in equity, resulting in a capitalization level of 8.11%, which is average.

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