Malaga Bank F.S.B.

Malaga Bank F.S.B. is headquartered in Palos Verdes Pen and is the 60^th largest bank in the state of California. It is also the 790^th largest bank in the nation. It was established in 1985 and as of March of 2012, it had grown to 78 employees at 4 locations. Malaga Bank F.S.B. has a 5-star health rating.

Data for Q1 2012

Institution Statistics Malaga Bank F.S.B. OTS # 08089 FDIC Certificate # 32282 BankRate Report View Year Established 1985 Employees 78 Primary Regulator OCC Assets and Liabilities Assets $832.20 million Loans $795.15 million Deposits $556.48 million Equity Capital $104.70 million Loan Loss Allowance $2.92 million Historic Data - March 2011 Assets $816.00 million Equity Capital $95.84 million Loan Loss Allowance $2.87 million Profit Margin - Quarterly Net Interest Margin 3.98% Return on Assets 1.57% Return on Equity 12.56% Interest Income $10.15 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 March 31, 2012 Malaga Bank F.S.B. had $0 in non-current loans and owned real-estate with $107.62 million in equity and loan loss allowances on hand to cover it. This gives Malaga Bank F.S.B. a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Malaga Bank F.S.B. has increased its total deposits by $20.34 million, resulting in 3.79% 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 Malaga Bank F.S.B. has shown is above average. 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. Malaga Bank F.S.B. has $832.2 million in assets with $107.62 million in equity, resulting in a capitalization level of 12.93%, which is excellent.

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