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International City Bank, National Association

International City Bank, National Association
Overview / Commentary
249 Ocean Boulevard
Long Beach, CA 90802

International City Bank, National Association is headquartered in Long Beach and is the 179th largest bank in the state of California. It is also the 3,992nd largest bank in the nation. It was established in 1984 and as of March of 2014, it had grown to 45 employees at 2 locations. International City Bank, National Association has a A health rating.

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Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
B+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 International City Bank, National Association had $2.75 million in non-current loans and owned real-estate with $20.11 million in equity and loan loss allowances on hand to cover it. This gives International City Bank, National Association a Texas Ratio of 13.69% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for International City Bank, National Association decreased dramatically from 25.43% as of March 31, 2013 to 13.69% as of March 31, 2014, resulting in a positive change of 46.16%.This indicates that the balance sheet and financial strength for International City Bank, National Association has improved dramatically in recent periods.

Deposit Growth

GRADE:
B+

In the past year, International City Bank, National Association has increased its total deposits by $2.55 million, resulting in 2.63% 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 International City Bank, National Association has shown is above average.

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. International City Bank, National Association has $134.75 million in assets with $20.11 million in equity, resulting in a capitalization level of 14.92%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #25648
Year Established1984
Employees45
Primary RegulatorOCC
Assets and Liabilities
Assets$134.75 million
Loans$75.08 million
Deposits$99.32 million
Equity Capital$18.92 million
Loan Loss Allowance$1.19 million
Unbacked Noncurrent Loans$2.02 million
Real Estate Owned$729,000
Historic Data - March 2013
Assets$143.39 million
Equity Capital$23.07 million
Loan Loss Allowance$1.48 million
Unbacked Noncurrent Loans$2.02 million
Real Estate Owned$3.64 million
Profit Margin - Quarterly
Net Interest Margin4.96%
Return on Assets0.58%
Return on Equity4.04%
Interest Income$1.45 million
Rates

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Locations


International City Bank, National Association Locations
International City Bank, National Association249 E Ocean BoulevardLong Beach, CA 90802
Irvine Office Branch9100 Irvine Center DriveIrvine, CA 92618