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Golden Pacific Bank, National Association

Golden Pacific Bank, National Association
Overview / Commentary
519 D Street
Marysville, CA 95901

Golden Pacific Bank, National Association is headquartered in Marysville and is the 180th largest bank in the state of California. It is also the 4,026th largest bank in the nation. It was established in 1986 and as of March of 2014, it had grown to 58 employees at 7 locations. Golden Pacific Bank, National Association has a C+ health rating.

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Health

Data for Q1 2014

Institution Health

C+

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Golden Pacific Bank, National Association had $2.34 million in non-current loans and owned real-estate with $11.76 million in equity and loan loss allowances on hand to cover it. This gives Golden Pacific Bank, National Association a Texas Ratio of 19.88% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C-

The Texas Ratio for Golden Pacific Bank, National Association increased slightly from 12.20% as of March 31, 2013 to 19.88% as of March 31, 2014, resulting in a negative change of 63.05%. This indicates that the balance sheet and financial strength for Golden Pacific Bank, National Association has declined slightly in recent periods.

Deposit Growth

GRADE:
C-

In the past year, Golden Pacific Bank, National Association has decreased its total deposits by -$4.08 million, resulting in -3.38% 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 Pacific Bank, National Association has shown is below average.

Capitalization

GRADE:
C

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 Pacific Bank, National Association has $132.98 million in assets with $11.76 million in equity, resulting in a capitalization level of 8.84%, which is average.

Institution Statistics

Overall
FDIC Certificate #26881
Year Established1986
Employees58
Primary RegulatorOCC
Assets and Liabilities
Assets$132.98 million
Loans$102.18 million
Deposits$116.69 million
Equity Capital$10.65 million
Loan Loss Allowance$1.11 million
Unbacked Noncurrent Loans$1.93 million
Real Estate Owned$410,000
Historic Data - March 2013
Assets$132.99 million
Equity Capital$11.44 million
Loan Loss Allowance$996,000
Unbacked Noncurrent Loans$1.93 million
Real Estate Owned$423,000
Profit Margin - Quarterly
Net Interest Margin4.41%
Return on Assets-1.24%
Return on Equity-15.16%
Interest Income$1.37 million
Rates

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Locations


Golden Pacific Bank, National Association Locations
Brownsville Branch 0116850 Willow Glen RdBrownsville, CA 95919
Golden Pacific Bank, National Association519 "d" StreetMarysville, CA 95901
Yuba City Branch 04620 N. Walton AveYuba City, CA 95993
Sacramento Branch980 9th Street, Suite 2320Sacramento, CA 95814
Sacramento Office Branch980 Ninth Street Ste 100Sacramento, CA 95814
Live Oak Branch9960 Live Oak BlvdLive Oak, CA 95953