Golden State Bank

Golden State Bank is headquartered in Upland and is the 225^th largest bank in the state of California. It is also the 4,838^th largest bank in the nation. It was established in 2003 and as of March of 2012, it had grown to 29 employees at 3 locations. Golden State Bank has a 1-star health rating.

Golden State Bank Routing Number: 122243716

Data for Q1 2012

Institution Statistics Golden State Bank FDIC Certificate # 57585 BankRate Report View Year Established 2003 Employees 29 Primary Regulator FDIC Assets and Liabilities Assets $104.44 million Loans $73.34 million Deposits $97.96 million Equity Capital $6.19 million Loan Loss Allowance $2.25 million Unbacked Noncurrent Loans $8.25 million Real Estate Owned $9.05 million Historic Data - March 2011 Assets $115.31 million Equity Capital $9.58 million Loan Loss Allowance $4.74 million Unbacked Noncurrent Loans $15.27 million Real Estate Owned $6.07 million Profit Margin - Quarterly Net Interest Margin 4.49% Return on Assets -1.76% Return on Equity -28.77% Interest Income $1.14 million

Institution Health Overall Score: 1 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 State Bank had $17.3 million in non-current loans and owned real-estate with $8.44 million in equity and loan loss allowances on hand to cover it. This gives Golden State Bank a Texas Ratio of 204.99% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Golden State Bank increased slightly from 149.05% as of March 31, 2011 to 204.99% as of March 31, 2012, resulting in a negative change of 37.53%. This indicates that the balance sheet and financial strength for Golden State Bank has declined slightly in recent periods. Deposit Growth In the past year, Golden State Bank has decreased its total deposits by -$3.43 million, resulting in -3.39% 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 State Bank has shown is below 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. Golden State Bank has $104.44 million in assets with $8.44 million in equity, resulting in a capitalization level of 8.08%, which is average.

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