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Overview / Commentary
310-375-9000
2514 Via Tejon
Palos Verdes Estates, CA 90274

Malaga Bank F.S.B. is headquartered in Palos Verdes Pen and is the 58th largest bank in the state of California. It is also the 745th largest bank in the nation. It was established in 1985 and as of March of 2014, it had grown to 81 employees at 5 locations. Malaga Bank F.S.B. has a A+ health rating.

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Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

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 Malaga Bank F.S.B. had $0 in non-current loans and owned real-estate with $122.9 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

GRADE:
A+

In the past year, Malaga Bank F.S.B. has increased its total deposits by $36.45 million, resulting in 5.84% 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 excellent.

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. Malaga Bank F.S.B. has $909.51 million in assets with $122.9 million in equity, resulting in a capitalization level of 13.51%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #32282
Year Established1985
Employees81
Primary RegulatorOCC
Assets and Liabilities
Assets$909.51 million
Loans$840.66 million
Deposits$660.98 million
Equity Capital$120.02 million
Loan Loss Allowance$2.88 million
Real Estate Owned$0
Historic Data - March 2013
Assets$842.25 million
Equity Capital$112.66 million
Loan Loss Allowance$2.76 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.48%
Return on Assets1.3%
Return on Equity9.8%
Interest Income$8.98 million
Rates

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Locations


Malaga Bank F.S.B. Locations
San Pedro Branch1460 W. 25th StreetSan Pedro, CA 90732
Torrance Skypark Branch23670 Hawthorne Blvd, Ste 101aTorrance, CA 90505
Malaga Bank F.S.B.2514 Via TejonPalos Verdes Peninsula, CA 90274
Torrance Branch25700 Crenshaw BlvdTorrance, CA 90505
Rolling Hills Estates Branch27450 Hawthoene BoulevardRolling Hills Estates, CA 90274