Mission Bank

Mission Bank is headquartered in Bakersfield and is the 124^th largest bank in the state of California. It is also the 2,396^th largest bank in the nation. It was established in 1998 and as of March of 2012, it had grown to 47 employees at 3 locations. Mission Bank has a 5-star health rating.

Mission Bank Routing Number: 122242791

Data for Q1 2012

Institution Statistics Mission Bank FDIC Certificate # 34805 BankRate Report View Year Established 1998 Employees 47 Primary Regulator FDIC Assets and Liabilities Assets $269.29 million Loans $121.51 million Deposits $239.08 million Equity Capital $27.74 million Loan Loss Allowance $2.22 million Unbacked Noncurrent Loans $1.04 million Real Estate Owned $700,000 Historic Data - March 2011 Assets $223.60 million Equity Capital $25.46 million Loan Loss Allowance $2.38 million Unbacked Noncurrent Loans $2.67 million Profit Margin - Quarterly Net Interest Margin 3.79% Return on Assets 0.76% Return on Equity 7.14% Interest Income $2.32 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 Mission Bank had $1.74 million in non-current loans and owned real-estate with $29.96 million in equity and loan loss allowances on hand to cover it. This gives Mission Bank a Texas Ratio of 5.79% 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 Mission Bank decreased slightly from 9.60% as of March 31, 2011 to 5.79% as of March 31, 2012, resulting in a positive change of 39.64%.This indicates that the balance sheet and financial strength for Mission Bank has improved slightly in recent periods. Deposit Growth In the past year, Mission Bank has increased its total deposits by $43.55 million, resulting in 22.27% 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 Mission 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. Mission Bank has $269.29 million in assets with $29.96 million in equity, resulting in a capitalization level of 11.13%, which is above average.

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