Gold Country Bank, National Association

Gold Country Bank, National Association is headquartered in Marysville and is the 198^th largest bank in the state of California. It is also the 4,240^th largest bank in the nation. It was established in 1986 and as of March of 2012, it had grown to 77 employees at 8 locations. Gold Country Bank, National Association has a 4-star health rating.

Data for Q1 2012

Institution Statistics Golden Pacific Bank, National Association FDIC Certificate # 26881 BankRate Report View Year Established 1986 Employees 77 Primary Regulator OCC Assets and Liabilities Assets $130.38 million Loans $90.64 million Deposits $117.94 million Equity Capital $11.49 million Loan Loss Allowance $1.01 million Unbacked Noncurrent Loans $1.43 million Real Estate Owned $357,000 Profit Margin - Quarterly Net Interest Margin 5.29% Return on Assets 0.11% Return on Equity 1.22% Interest Income $1.64 million

Institution Health Overall Score: 4 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 Gold Country Bank, National Association had $1.79 million in non-current loans and owned real-estate with $12.5 million in equity and loan loss allowances on hand to cover it. This gives Gold Country Bank, National Association a Texas Ratio of 14.29% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. 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. Gold Country Bank, National Association has $130.38 million in assets with $12.5 million in equity, resulting in a capitalization level of 9.59%, which is average.

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