Delta Bank, National Association

Delta Bank, National Association is headquartered in Manteca and is the 229^th largest bank in the state of California. It is also the 4,955^th largest bank in the nation. It was established in 1973 and as of March of 2012, it had grown to 40 employees at 8 locations. Delta Bank, National Association has a 1-star health rating.

Data for Q1 2012

Institution Statistics Delta Bank, National Association FDIC Certificate # 21147 BankRate Report View Year Established 1973 Employees 40 Primary Regulator OCC Assets and Liabilities Assets $99.37 million Loans $45.98 million Deposits $89.71 million Equity Capital $9.42 million Loan Loss Allowance $1.10 million Unbacked Noncurrent Loans $11.99 million Real Estate Owned $11.07 million Historic Data - March 2011 Assets $108.08 million Equity Capital $11.19 million Loan Loss Allowance $1.50 million Unbacked Noncurrent Loans $13.67 million Real Estate Owned $10.59 million Profit Margin - Quarterly Net Interest Margin 3.81% Return on Assets -1.65% Return on Equity -17.12% Interest Income $815,000

Institution Health Overall Score: 1 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 Delta Bank, National Association had $23.06 million in non-current loans and owned real-estate with $10.52 million in equity and loan loss allowances on hand to cover it. This gives Delta Bank, National Association a Texas Ratio of 219.19% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Delta Bank, National Association held steady from 191.22% as of March 31, 2011 to 219.19% as of March 31, 2012, resulting in a negative change of 14.63%. This indicates that the balance sheet and financial strength for Delta Bank, National Association has held steady in recent periods. Deposit Growth In the past year, Delta Bank, National Association has decreased its total deposits by -$6.28 million, resulting in -6.54% 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 Delta Bank, National Association 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. Delta Bank, National Association has $99.37 million in assets with $10.52 million in equity, resulting in a capitalization level of 10.59%, which is above average.

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