Merchants Bank of California, National Association

Merchants Bank of California, National Association is headquartered in Carson and is the 236^th largest bank in the state of California. It is also the 5,258^th largest bank in the nation. It was established in 1989 and as of March of 2012, it had grown to 49 employees at 1 location. Merchants Bank of California, National Association has a 5-star health rating.

Data for Q1 2012

Institution Statistics Merchants Bank of California, National Association FDIC Certificate # 27477 BankRate Report View Year Established 1989 Employees 49 Primary Regulator OCC Assets and Liabilities Assets $88.77 million Loans $41.35 million Deposits $70.33 million Equity Capital $15.94 million Loan Loss Allowance $1.75 million Unbacked Noncurrent Loans $1.33 million Real Estate Owned $1.24 million Historic Data - March 2011 Assets $86.55 million Equity Capital $15.25 million Loan Loss Allowance $2.08 million Unbacked Noncurrent Loans $7.29 million Profit Margin - Quarterly Net Interest Margin 4.79% Return on Assets 0.7% Return on Equity 3.83% Interest Income $741,000

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 Merchants Bank of California, National Association had $2.57 million in non-current loans and owned real-estate with $17.68 million in equity and loan loss allowances on hand to cover it. This gives Merchants Bank of California, National Association a Texas Ratio of 14.54% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Merchants Bank of California, National Association decreased significantly from 34.76% as of March 31, 2011 to 14.54% as of March 31, 2012, resulting in a positive change of 58.18%.This indicates that the balance sheet and financial strength for Merchants Bank of California, National Association has improved significantly in recent periods. Deposit Growth In the past year, Merchants Bank of California, National Association has increased its total deposits by $7.34 million, resulting in 11.66% 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 Merchants Bank of California, National Association 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. Merchants Bank of California, National Association has $88.76 million in assets with $17.68 million in equity, resulting in a capitalization level of 19.92%, which is excellent.

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