Desert Commercial Bank

Desert Commercial Bank is headquartered in Palm Desert and is the 183^rd largest bank in the state of California. It is also the 3,927^th largest bank in the nation. It was established in 2005 and as of March of 2012, it had grown to 32 employees at 2 locations. Desert Commercial Bank has a 2-star health rating.

Desert Commercial Bank Routing Number: 122244003

Data for Q1 2012

Institution Statistics Desert Commercial Bank FDIC Certificate # 57976 BankRate Report View Year Established 2005 Employees 32 Primary Regulator FDIC Assets and Liabilities Assets $147.00 million Loans $98.88 million Deposits $132.27 million Equity Capital $14.17 million Loan Loss Allowance $1.76 million Unbacked Noncurrent Loans $3.28 million Real Estate Owned $2.68 million Historic Data - March 2011 Assets $153.09 million Equity Capital $15.91 million Loan Loss Allowance $2.09 million Unbacked Noncurrent Loans $2.52 million Real Estate Owned $2.21 million Profit Margin - Quarterly Net Interest Margin 4.38% Return on Assets -1.15% Return on Equity -11.52% Interest Income $1.74 million

Institution Health Overall Score: 2 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 Desert Commercial Bank had $5.95 million in non-current loans and owned real-estate with $15.93 million in equity and loan loss allowances on hand to cover it. This gives Desert Commercial Bank a Texas Ratio of 37.38% 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 Desert Commercial Bank increased slightly from 26.27% as of March 31, 2011 to 37.38% as of March 31, 2012, resulting in a negative change of 42.28%. This indicates that the balance sheet and financial strength for Desert Commercial Bank has declined slightly in recent periods. Deposit Growth In the past year, Desert Commercial Bank has decreased its total deposits by -$4.35 million, resulting in -3.18% 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 Desert Commercial 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. Desert Commercial Bank has $147 million in assets with $15.93 million in equity, resulting in a capitalization level of 10.84%, which is above average.

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