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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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.
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.
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.
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.
|FDIC Certificate #||26271|
|Assets and Liabilities|
|Equity Capital||$20.69 million|
|Loan Loss Allowance||$1.06 million|
|Real Estate Owned||$813,000|
|Historic Data - December 2012|
|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 Margin||5%|
|Return on Assets||2.15%|
|Return on Equity||11.25%|
|Interest Income||$6.91 million|
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|0.15%||$50||$1k||Super Money Fund|
|1.46%||$10k||-||60 Month CD|
|1.26%||$10k||-||48-59 Month CD|
|1.21%||$10k||-||36-47 Month CD|
|0.90%||$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|
|1.51%||$500||-||60 Month IRA (Traditional,Roth,CESA,SIMPLE)|
|1.26%||$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)|
|Home Bank of California Locations|
|Home Bank Of California||4493 Ruffin Road||San Diego, CA 92123|