First California Bank

First California Bank is headquartered in Westlake Village and is the 31^st largest bank in the state of California. It is also the 370^th largest bank in the nation. It was established in 1979 and as of March of 2012, it had grown to 296 employees at 22 locations. First California Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics First California Bank FDIC Certificate # 22819 BankRate Report View Year Established 1979 Employees 296 Primary Regulator FDIC Assets and Liabilities Assets $1.88 billion Loans $1.12 billion Deposits $1.48 billion Equity Capital $251.99 million Loan Loss Allowance $18.15 million Unbacked Noncurrent Loans $14.22 million Real Estate Owned $18.71 million Historic Data - March 2011 Assets $1.83 billion Equity Capital $235.59 million Loan Loss Allowance $18.67 million Unbacked Noncurrent Loans $26.58 million Real Estate Owned $21.34 million Profit Margin - Quarterly Net Interest Margin 4.17% Return on Assets 0.76% Return on Equity 5.64% Interest Income $18.80 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 California Bank had $32.92 million in non-current loans and owned real-estate with $270.14 million in equity and loan loss allowances on hand to cover it. This gives First California Bank a Texas Ratio of 12.19% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First California Bank decreased slightly from 18.73% as of March 31, 2011 to 12.19% as of March 31, 2012, resulting in a positive change of 34.93%.This indicates that the balance sheet and financial strength for First California Bank has improved slightly in recent periods. Deposit Growth In the past year, First California Bank has increased its total deposits by $58.58 million, resulting in 4.14% 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 California Bank has shown is above 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. First California Bank has $1.88 billion in assets with $270.14 million in equity, resulting in a capitalization level of 14.38%, which is excellent.

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