Home Bank of California

Home Bank of California is headquartered in San Diego and is the 208^th largest bank in the state of California. It is also the 4,690^th largest bank in the nation. It was established in 1981 and as of March of 2013, it had grown to 19 employees at 1 location. Home Bank of California has a 4-star health rating.

Home Bank of California Routing Number: 322285480

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Data for Q1 2013

Institution Statistics Home Bank of California FDIC Certificate # 26271 BankRate Report View Year Established 1981 Employees 19 Primary Regulator FDIC Assets and Liabilities Assets $106.72 million Loans $91.54 million Deposits $65.56 million Equity Capital $20.48 million Loan Loss Allowance $1.13 million Unbacked Noncurrent Loans $1.97 million Real Estate Owned $1.20 million Historic Data - March 2012 Assets $125.78 million Equity Capital $20.28 million Loan Loss Allowance $1.55 million Unbacked Noncurrent Loans $730,000 Real Estate Owned $3.98 million Profit Margin - Quarterly Net Interest Margin 4.6% Return on Assets 1.58% Return on Equity 8.89% Interest Income $1.73 million

Institution Health Overall Score: 4 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, 2013 Home Bank of California had $3.16 million in non-current loans and owned real-estate with $21.61 million in equity and loan loss allowances on hand to cover it. This gives Home Bank of California a Texas Ratio of 14.65% 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 Home Bank of California decreased slightly from 21.58% as of March 31, 2012 to 14.65% as of March 31, 2013, resulting in a positive change of 32.12%.This indicates that the balance sheet and financial strength for Home Bank of California has improved slightly in recent periods. Deposit Growth In the past year, Home Bank of California has decreased its total deposits by -$12.83 million, resulting in -16.37% 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 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 $106.72 million in assets with $21.61 million in equity, resulting in a capitalization level of 20.25%, which is excellent.

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