Golden Coast Bank

Golden Coast Bank is headquartered in Long Beach and is the 247^th largest bank in the state of California. It is also the 6,588^th largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 12 employees at 1 location. Golden Coast Bank has a 5-star health rating.

Golden Coast Bank Routing Number: 122244508

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Data for Q1 2012

Institution Statistics Evergreen International Bank FDIC Certificate # 58391 BankRate Report View Year Established 2007 Employees 12 Primary Regulator FDIC Assets and Liabilities Assets $42.46 million Loans $30.17 million Deposits $32.34 million Equity Capital $9.96 million Loan Loss Allowance $1.20 million Historic Data - March 2011 Assets $35.87 million Equity Capital $10.39 million Loan Loss Allowance $1.11 million Profit Margin - Quarterly Net Interest Margin 4.96% Return on Assets -1.5% Return on Equity -6.22% Interest Income $563,000

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 Golden Coast Bank had $0 in non-current loans and owned real-estate with $11.16 million in equity and loan loss allowances on hand to cover it. This gives Golden Coast Bank 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, Golden Coast Bank has increased its total deposits by $7.15 million, resulting in 28.38% 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 Golden Coast Bank 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. Golden Coast Bank has $42.46 million in assets with $11.16 million in equity, resulting in a capitalization level of 26.29%, which is excellent.

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