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Overview / Commentary
858-270-5881
4493 Ruffin Road
San Diego, CA 92123

Home Bank of California is headquartered in San Diego and is the 200th largest bank in the state of California. It is also the 4,773rd largest bank in the nation. It was established in 1981 and as of December of 2013, it had grown to 19 employees at 1 location. Home Bank of California has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Home Bank of California has a relatively low asset base.

Texas Ratio

GRADE:
A+

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 December 31, 2013 Home Bank of California had $813,000 in non-current loans and owned real-estate with $21.75 million in equity and loan loss allowances on hand to cover it. This gives Home Bank of California a Texas Ratio of 3.74% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Home Bank of California decreased dramatically from 7.56% as of December 31, 2012 to 3.74% as of December 31, 2013, resulting in a positive change of 50.58%.This indicates that the balance sheet and financial strength for Home Bank of California has improved dramatically in recent periods.

Deposit Growth

GRADE:
F

In the past year, Home Bank of California has decreased its total deposits by -$17.43 million, resulting in -22.52% 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 Home Bank of California has shown is poor.

Capitalization

GRADE:
A+

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. Home Bank of California has $99.23 million in assets with $21.75 million in equity, resulting in a capitalization level of 21.92%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #26271
Year Established1981
Employees19
Primary RegulatorFDIC
Assets and Liabilities
Assets$99.23 million
Loans$86.78 million
Deposits$59.95 million
Equity Capital$20.69 million
Loan Loss Allowance$1.06 million
Real Estate Owned$813,000
Historic Data - December 2012
Assets$121.58 million
Equity Capital$20.04 million
Loan Loss Allowance$1.30 million
Unbacked Noncurrent Loans$0
Real Estate Owned$1.32 million
Profit Margin - Quarterly
Net Interest Margin5%
Return on Assets2.15%
Return on Equity11.25%
Interest Income$6.91 million
Rates
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Home Bank of California Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.15%$50$1kSuper Money Fund
0.10%$50-Statement Savings

Home Bank of California Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.45%$100-Interest Checking

Home Bank of California CD Rates

DetailsAPYMINMAXPRODUCT
1.92%$10k-60 Month CD
1.51%$10k-48-59 Month CD
1.21%$10k-36-47 Month CD
0.91%$10k-24-35 Month CD
0.71%$10k-18-23 Month CD
0.55%$10k-12-17 Month CD
0.10%$2,500-3-5 Month CD
0.10%$2,500-6-8 Month CD
0.10%$2,500-9-11 Month CD

Home Bank of California IRA Rates

DetailsAPYMINMAXPRODUCT
1.92%$500-60 Month IRA (Traditional,Roth,CESA,SIMPLE)
1.51%$500-48-59 Month IRA (Traditional,Roth,CESA,SIMPLE)
1.21%$500-36-47 Month IRA (Traditional,Roth,CESA,SIMPLE)
0.90%$500-24-35 Month IRA (Traditional,Roth,CESA,SIMPLE)
0.70%$500-18-23 Month IRA (Traditional,Roth,CESA,SIMPLE)
Locations


Home Bank of California Locations
Home Bank Of California4493 Ruffin RoadSan Diego, CA 92123