Lighthouse Bank

Lighthouse Bank is headquartered in Santa Cruz and is the 165^th largest bank in the state of California. It is also the 3,526^th largest bank in the nation. It was established in 2007 and as of December of 2012, it had grown to 19 employees at 1 location. Lighthouse Bank has a 5-star health rating.

Lighthouse Bank Routing Number: 121144861

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Data for Q4 2012

Institution Statistics Lighthouse Bank FDIC Certificate # 58646 BankRate Report View Year Established 2007 Employees 19 Primary Regulator FDIC Assets and Liabilities Assets $168.78 million Loans $94.85 million Deposits $147.12 million Equity Capital $20.82 million Loan Loss Allowance $2.86 million Unbacked Noncurrent Loans $500,000 Real Estate Owned $370,000 Historic Data - December 2011 Assets $143.14 million Equity Capital $18.73 million Loan Loss Allowance $2.86 million Real Estate Owned $396,000 Profit Margin - Quarterly Net Interest Margin 4.42% Return on Assets 1.16% Return on Equity 9.37% Interest Income $7.10 million

Institution Health Overall Score: 5 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 December 31, 2012 Lighthouse Bank had $870,000 in non-current loans and owned real-estate with $23.68 million in equity and loan loss allowances on hand to cover it. This gives Lighthouse Bank a Texas Ratio of 3.67% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Lighthouse Bank held steady from 1.83% as of December 31, 2011 to 3.67% as of December 31, 2012, resulting in a negative change of 100.27%. This indicates that the balance sheet and financial strength for Lighthouse Bank has held steady in recent periods. Deposit Growth In the past year, Lighthouse Bank has increased its total deposits by $23.24 million, resulting in 18.76% 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 Lighthouse Bank has shown is excellent. 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. Lighthouse Bank has $168.78 million in assets with $23.68 million in equity, resulting in a capitalization level of 14.03%, which is excellent.

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