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Overview / Commentary
22 West Yokuts Avenue
Stockton, CA 95207

Community Bank of San Joaquin is headquartered in Stockton and is the 187th largest bank in the state of California. It is also the 4,170th largest bank in the nation. It was established in 1999 and as of December of 2013, it had grown to 26 employees at 2 locations. Community Bank of San Joaquin has a B health rating.

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Health

Data for Q4 2013

Institution Health

B

Texas Ratio

GRADE:
A

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 December 31, 2013 Community Bank of San Joaquin had $1.03 million in non-current loans and owned real-estate with $10.82 million in equity and loan loss allowances on hand to cover it. This gives Community Bank of San Joaquin a Texas Ratio of 9.52% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Community Bank of San Joaquin experienced no significant changes from 10.24% as of December 31, 2012 to 9.52% as of December 31, 2013, resulting in a positive change of 7.08%.This indicates that the balance sheet and financial strength for Community Bank of San Joaquin has had no significant changes in recent periods.

Deposit Growth

GRADE:
C-

In the past year, Community Bank of San Joaquin has decreased its total deposits by -$4.52 million, resulting in -3.87% 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 Community Bank of San Joaquin has shown is below average.

Capitalization

GRADE:
C

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. Community Bank of San Joaquin has $125.42 million in assets with $10.82 million in equity, resulting in a capitalization level of 8.63%, which is average.

Institution Statistics

Overall
FDIC Certificate #35170
Year Established1999
Employees26
Primary RegulatorFDIC
Assets and Liabilities
Assets$125.42 million
Loans$62.39 million
Deposits$112.20 million
Equity Capital$8.82 million
Loan Loss Allowance$2.00 million
Unbacked Noncurrent Loans$1.03 million
Real Estate Owned$0
Historic Data - December 2012
Assets$138.49 million
Equity Capital$9.82 million
Loan Loss Allowance$1.89 million
Unbacked Noncurrent Loans$1.03 million
Real Estate Owned$135,000
Profit Margin - Quarterly
Net Interest Margin3.16%
Return on Assets-0.12%
Return on Equity-1.68%
Interest Income$4.42 million
Rates

Sorry, we do not have rate data for Community Bank of San Joaquin

Locations


Community Bank of San Joaquin Locations
Community Bank Of San Joaquin22 West Yokuts AvenueStockton, CA 95207
Waterloo Branch4426 E. State Highway 88 On Waterloo RoadStockton, CA 95215