EH National Bank

EH National Bank is headquartered in Beverly Hills and is the 153^rd largest bank in the state of California. It is also the 3,193^rd largest bank in the nation. It was established in 2005 and as of December of 2012, it had grown to 50 employees at 1 location. EH National Bank's money market rates are 59% higher than the national average, and it boasts a 5-star health rating.

EH National Bank Routing Number: 122243871

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Data for Q4 2012

Institution Statistics EH National Bank FDIC Certificate # 57734 BankRate Report View Year Established 2005 Employees 50 Primary Regulator OCC Assets and Liabilities Assets $192.30 million Loans $132.94 million Deposits $162.70 million Equity Capital $26.83 million Loan Loss Allowance $7.27 million Unbacked Noncurrent Loans $148,000 Real Estate Owned $640,000 Historic Data - December 2011 Assets $182.68 million Equity Capital $26.00 million Loan Loss Allowance $9.60 million Real Estate Owned $824,000 Profit Margin - Quarterly Net Interest Margin 5.07% Return on Assets 0.25% Return on Equity 1.81% Interest Income $9.47 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 December 31, 2012 EH National Bank had $788,000 in non-current loans and owned real-estate with $34.1 million in equity and loan loss allowances on hand to cover it. This gives EH National Bank a Texas Ratio of 2.31% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for EH National Bank decreased significantly from 15.05% as of December 31, 2011 to 2.31% as of December 31, 2012, resulting in a positive change of 84.64%.This indicates that the balance sheet and financial strength for EH National Bank has improved significantly in recent periods. Deposit Growth In the past year, EH National Bank has increased its total deposits by $8.68 million, resulting in 5.64% 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 EH National Bank has shown is excellent. 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. EH National Bank has $192.3 million in assets with $34.1 million in equity, resulting in a capitalization level of 17.73%, which is excellent.

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