Founders Community Bank

Founders Community Bank is headquartered in San Luis Obispo and is the 210^st largest bank in the state of California. It is also the 4,451^st 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. Founders Community Bank has a 5-star health rating.

Founders Community Bank Routing Number: 122243965

Data for Q1 2012

Institution Statistics Founders Community Bank FDIC Certificate # 57924 BankRate Report View Year Established 2005 Employees 32 Primary Regulator FDIC Assets and Liabilities Assets $120.70 million Loans $85.63 million Deposits $105.64 million Equity Capital $14.93 million Loan Loss Allowance $1.48 million Real Estate Owned $764,000 Historic Data - March 2011 Assets $112.38 million Equity Capital $10.57 million Loan Loss Allowance $1.42 million Unbacked Noncurrent Loans $30,000 Real Estate Owned $1.70 million Profit Margin - Quarterly Net Interest Margin 4.75% Return on Assets 0.62% Return on Equity 5.09% Interest Income $1.44 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 Founders Community Bank had $764,000 in non-current loans and owned real-estate with $16.41 million in equity and loan loss allowances on hand to cover it. This gives Founders Community Bank a Texas Ratio of 4.65% 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 Founders Community Bank decreased significantly from 14.04% as of March 31, 2011 to 4.65% as of March 31, 2012, resulting in a positive change of 66.84%.This indicates that the balance sheet and financial strength for Founders Community Bank has improved significantly in recent periods. Deposit Growth In the past year, Founders Community Bank has increased its total deposits by $3.94 million, resulting in 3.88% 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 Founders Community 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. Founders Community Bank has $120.7 million in assets with $16.41 million in equity, resulting in a capitalization level of 13.60%, which is excellent.

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