Commercial Bank of California

Commercial Bank of California is headquartered in Costa Mesa and is the 132^nd largest bank in the state of California. It is also the 2,562^nd largest bank in the nation. It was established in 2003 and as of March of 2012, it had grown to 25 employees at 2 locations. Commercial Bank of California has a 3-star health rating.

Commercial Bank of California Routing Number: 122243596

Data for Q1 2012

Institution Statistics Commercial Bank of California FDIC Certificate # 57417 BankRate Report View Year Established 2003 Employees 25 Primary Regulator FDIC Assets and Liabilities Assets $251.17 million Loans $130.21 million Deposits $207.61 million Equity Capital $32.42 million Loan Loss Allowance $3.97 million Unbacked Noncurrent Loans $11.86 million Real Estate Owned $10.02 million Historic Data - March 2011 Assets $276.41 million Equity Capital $33.17 million Loan Loss Allowance $4.79 million Unbacked Noncurrent Loans $9.98 million Real Estate Owned $11.28 million Profit Margin - Quarterly Net Interest Margin 3.36% Return on Assets -0.14% Return on Equity -1.15% Interest Income $2.39 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 Commercial Bank of California had $21.88 million in non-current loans and owned real-estate with $36.39 million in equity and loan loss allowances on hand to cover it. This gives Commercial Bank of California a Texas Ratio of 60.12% 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 Commercial Bank of California held steady from 56.03% as of March 31, 2011 to 60.12% as of March 31, 2012, resulting in a negative change of 7.30%. This indicates that the balance sheet and financial strength for Commercial Bank of California has held steady in recent periods. Deposit Growth In the past year, Commercial Bank of California has decreased its total deposits by -$14.06 million, resulting in -6.34% 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 Commercial Bank of California 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. Commercial Bank of California has $251.17 million in assets with $36.39 million in equity, resulting in a capitalization level of 14.49%, which is excellent.

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