Heritage Oaks Bank

Heritage Oaks Bank is headquartered in Paso Robles and is the 51^st largest bank in the state of California. It is also the 662^nd largest bank in the nation. It was established in 1983 and as of March of 2012, it had grown to 254 employees at 14 locations. Heritage Oaks Bank has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Heritage Oaks Bank FDIC Certificate # 24229 BankRate Report View Year Established 1983 Employees 254 Primary Regulator FDIC Assets and Liabilities Assets $1.00 billion Loans $638.45 million Deposits $806.90 million Equity Capital $138.66 million Loan Loss Allowance $19.80 million Unbacked Noncurrent Loans $16.37 million Real Estate Owned $917,000 Historic Data - March 2011 Assets $967.05 million Equity Capital $126.59 million Loan Loss Allowance $24.37 million Unbacked Noncurrent Loans $26.32 million Real Estate Owned $6.09 million Profit Margin - Quarterly Net Interest Margin 4.77% Return on Assets 0.67% Return on Equity 4.88% Interest Income $11.75 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 Heritage Oaks Bank had $17.29 million in non-current loans and owned real-estate with $158.46 million in equity and loan loss allowances on hand to cover it. This gives Heritage Oaks Bank a Texas Ratio of 10.91% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Heritage Oaks Bank decreased significantly from 21.82% as of March 31, 2011 to 10.91% as of March 31, 2012, resulting in a positive change of 49.99%.This indicates that the balance sheet and financial strength for Heritage Oaks Bank has improved significantly in recent periods. Deposit Growth In the past year, Heritage Oaks Bank has increased its total deposits by $19.53 million, resulting in 2.48% 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 Heritage Oaks 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. Heritage Oaks Bank has $1 billion in assets with $158.46 million in equity, resulting in a capitalization level of 15.78%, which is excellent.

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