First American Trust, FSB

First American Trust, FSB is headquartered in Santa Ana and is the 36^th largest bank in the state of California. It is also the 447^th largest bank in the nation. It was established in 1985 and as of March of 2012, it had grown to 99 employees at 6 locations. First American Trust, FSB has a 5-star health rating.

First American Trust, FSB Routing Number: 122241255

Data for Q1 2012

Institution Statistics First American Trust, FSB OTS # 15660 FDIC Certificate # 26312 BankRate Report View Year Established 1985 Employees 99 Primary Regulator OCC Assets and Liabilities Assets $1.49 billion Deposits $1.34 billion Equity Capital $121.55 million Historic Data - March 2011 Assets $1.27 billion Equity Capital $92.60 million Profit Margin - Quarterly Net Interest Margin 1.17% Return on Assets 0.48% Return on Equity 5.36% Interest Income $4.21 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 March 31, 2012 First American Trust, FSB had $0 in non-current loans and owned real-estate with $121.55 million in equity and loan loss allowances on hand to cover it. This gives First American Trust, FSB a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, First American Trust, FSB has increased its total deposits by $167.83 million, resulting in 14.27% 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 First American Trust, FSB 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. First American Trust, FSB has $1.49 billion in assets with $121.55 million in equity, resulting in a capitalization level of 8.18%, which is average.

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