Inland Community Bank, National Association

Inland Community Bank, National Association is headquartered in Rialto and is the 141^st largest bank in the state of California. It is also the 2,884^th largest bank in the nation. It was established in 1990 and as of March of 2012, it had grown to 60 employees at 5 locations. Inland Community Bank, National Association has a 3-star health rating.

Data for Q1 2012

Institution Statistics Inland Community Bank, National Association FDIC Certificate # 32916 BankRate Report View Year Established 1990 Employees 60 Primary Regulator OCC Assets and Liabilities Assets $220.92 million Loans $137.79 million Deposits $191.15 million Equity Capital $27.77 million Loan Loss Allowance $4.19 million Unbacked Noncurrent Loans $8.18 million Real Estate Owned $200,000 Historic Data - March 2011 Assets $252.56 million Equity Capital $27.74 million Loan Loss Allowance $4.24 million Unbacked Noncurrent Loans $8.62 million Real Estate Owned $731,000 Profit Margin - Quarterly Net Interest Margin 4.29% Return on Assets 0.21% Return on Equity 1.66% Interest Income $2.33 million

Institution Health Overall Score: 3 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 Inland Community Bank, National Association had $8.38 million in non-current loans and owned real-estate with $31.96 million in equity and loan loss allowances on hand to cover it. This gives Inland Community Bank, National Association a Texas Ratio of 26.22% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Inland Community Bank, National Association decreased slightly from 30.91% as of March 31, 2011 to 26.22% as of March 31, 2012, resulting in a positive change of 15.15%.This indicates that the balance sheet and financial strength for Inland Community Bank, National Association has improved slightly in recent periods. Deposit Growth In the past year, Inland Community Bank, National Association has decreased its total deposits by -$32.31 million, resulting in -14.46% 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 Inland Community Bank, National Association 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. Inland Community Bank, National Association has $220.92 million in assets with $31.96 million in equity, resulting in a capitalization level of 14.47%, which is excellent.

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