Manufacturers Bank

Manufacturers Bank is headquartered in Los Angeles and is the 29^th largest bank in the state of California. It is also the 358^th largest bank in the nation. It was established in 1962 and as of March of 2012, it had grown to 254 employees at 10 locations. Manufacturers Bank has a 5-star health rating.

Manufacturers Bank Routing Number: 122226076

Data for Q1 2012

Institution Statistics Manufacturers Bank FDIC Certificate # 18618 BankRate Report View Year Established 1962 Employees 254 Primary Regulator FDIC Assets and Liabilities Assets $1.98 billion Loans $1.19 billion Deposits $1.47 billion Equity Capital $277.58 million Loan Loss Allowance $23.82 million Unbacked Noncurrent Loans $21.43 million Historic Data - March 2011 Assets $1.96 billion Equity Capital $270.09 million Loan Loss Allowance $21.34 million Unbacked Noncurrent Loans $31.45 million Real Estate Owned $6.57 million Profit Margin - Quarterly Net Interest Margin 2.4% Return on Assets 0.29% Return on Equity 2.1% Interest Income $13.52 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 Manufacturers Bank had $21.43 million in non-current loans and owned real-estate with $301.4 million in equity and loan loss allowances on hand to cover it. This gives Manufacturers Bank a Texas Ratio of 7.11% 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 Manufacturers Bank decreased significantly from 13.21% as of March 31, 2011 to 7.11% as of March 31, 2012, resulting in a positive change of 46.21%.This indicates that the balance sheet and financial strength for Manufacturers Bank has improved significantly in recent periods. Deposit Growth In the past year, Manufacturers Bank has decreased its total deposits by -$41.28 million, resulting in -2.74% 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 Manufacturers Bank has shown is below 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. Manufacturers Bank has $1.98 billion in assets with $301.4 million in equity, resulting in a capitalization level of 15.26%, which is excellent.

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