Mission Community Bank

Mission Community Bank is headquartered in San Luis Obispo and is the 90^th largest bank in the state of California. It is also the 1,487^th largest bank in the nation. It was established in 1997 and as of March of 2012, it had grown to 123 employees at 9 locations. Mission Community Bank has a 4-star health rating.

Mission Community Bank Routing Number: 122242649

Data for Q1 2012

Institution Statistics Mission Community Bank FDIC Certificate # 34462 BankRate Report View Year Established 1997 Employees 123 Primary Regulator FED Assets and Liabilities Assets $449.12 million Loans $216.71 million Deposits $406.07 million Equity Capital $38.75 million Loan Loss Allowance $3.56 million Unbacked Noncurrent Loans $4.57 million Real Estate Owned $397,000 Historic Data - March 2011 Assets $201.04 million Equity Capital $19.15 million Loan Loss Allowance $3.25 million Unbacked Noncurrent Loans $30,000 Profit Margin - Quarterly Net Interest Margin 4.44% Return on Assets 0.13% Return on Equity 1.51% Interest Income $4.94 million

Institution Health Overall Score: 4 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 Community Bank had $4.97 million in non-current loans and owned real-estate with $42.31 million in equity and loan loss allowances on hand to cover it. This gives Mission Community Bank a Texas Ratio of 11.74% 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 Mission Community Bank increased slightly from 2.05% as of March 31, 2011 to 11.74% as of March 31, 2012, resulting in a negative change of 471.82%. This indicates that the balance sheet and financial strength for Mission Community Bank has declined slightly in recent periods. Deposit Growth In the past year, Mission Community Bank has increased its total deposits by $225.58 million, resulting in 124.99% 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 Community 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 Community Bank has $449.12 million in assets with $42.31 million in equity, resulting in a capitalization level of 9.42%, which is average.

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