Commonwealth Business Bank

Commonwealth Business Bank is headquartered in Los Angeles and is the 100^th largest bank in the state of California. It is also the 1,613^st largest bank in the nation. It was established in 2005 and as of March of 2012, it had grown to 62 employees at 3 locations. Commonwealth Business Bank has a 5-star health rating.

Commonwealth Business Bank Routing Number: 122043864

Data for Q1 2012

Institution Statistics Commonwealth Business Bank FDIC Certificate # 57873 BankRate Report View Year Established 2005 Employees 62 Primary Regulator FED Assets and Liabilities Assets $413.03 million Loans $336.06 million Deposits $359.02 million Equity Capital $50.49 million Loan Loss Allowance $10.77 million Unbacked Noncurrent Loans $6.80 million Historic Data - March 2011 Assets $403.00 million Equity Capital $47.88 million Loan Loss Allowance $9.10 million Unbacked Noncurrent Loans $10.73 million Profit Margin - Quarterly Net Interest Margin 4.25% Return on Assets 1.65% Return on Equity 13.64% Interest Income $5.04 million

Institution Health Overall Score: 5 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 Commonwealth Business Bank had $6.8 million in non-current loans and owned real-estate with $61.26 million in equity and loan loss allowances on hand to cover it. This gives Commonwealth Business Bank a Texas Ratio of 11.10% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Commonwealth Business Bank decreased slightly from 18.33% as of March 31, 2011 to 11.10% as of March 31, 2012, resulting in a positive change of 39.44%.This indicates that the balance sheet and financial strength for Commonwealth Business Bank has improved slightly in recent periods. Deposit Growth In the past year, Commonwealth Business Bank has increased its total deposits by $10.2 million, resulting in 2.92% 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 Commonwealth Business Bank has shown is above 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. Commonwealth Business Bank has $413.03 million in assets with $61.26 million in equity, resulting in a capitalization level of 14.83%, which is excellent.

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