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Overview / Commentary
545 Fourth Street
Santa Rosa, CA 95401

Exchange Bank (CA) is headquartered in Santa Rosa and is the 38th largest bank in the state of California. It is also the 396th largest bank in the nation. It was established in 1890 and as of March of 2014, it had grown to 383 employees at 21 locations. Exchange Bank (CA) has a B+ health rating.

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Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Exchange Bank (CA) had $29.13 million in non-current loans and owned real-estate with $188.24 million in equity and loan loss allowances on hand to cover it. This gives Exchange Bank (CA) a Texas Ratio of 15.48% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A

The Texas Ratio for Exchange Bank (CA) decreased dramatically from 22.91% as of March 31, 2013 to 15.48% as of March 31, 2014, resulting in a positive change of 32.46%.This indicates that the balance sheet and financial strength for Exchange Bank (CA) has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Exchange Bank (CA) has increased its total deposits by $107.61 million, resulting in 7.3% 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 Exchange Bank (CA) has shown is excellent.

Capitalization

GRADE:
B+

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. Exchange Bank (CA) has $1.79 billion in assets with $188.24 million in equity, resulting in a capitalization level of 10.53%, which is above average.

Institution Statistics

Overall
FDIC Certificate #8468
Year Established1890
Employees383
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.79 billion
Loans$1.10 billion
Deposits$1.58 billion
Equity Capital$150.68 million
Loan Loss Allowance$37.55 million
Unbacked Noncurrent Loans$22.61 million
Real Estate Owned$6.52 million
Historic Data - March 2013
Assets$1.69 billion
Equity Capital$158.40 million
Loan Loss Allowance$36.56 million
Unbacked Noncurrent Loans$22.61 million
Real Estate Owned$11.89 million
Profit Margin - Quarterly
Net Interest Margin3.77%
Return on Assets0.91%
Return on Equity10.63%
Interest Income$16.00 million
Rates

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Locations

Exchange Bank (CA) has 19 locations. Click to view all Exchange Bank (CA) locations.