Mission Oaks National Bank

Mission Oaks National Bank is headquartered in Temecula and is the 194^th largest bank in the state of California. It is also the 4,189^th largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 36 employees at 3 locations. Mission Oaks National Bank has a 2-star health rating.

Mission Oaks National Bank Routing Number: 122243169

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Data for Q1 2012

Institution Statistics Mission Oaks National Bank FDIC Certificate # 57021 BankRate Report View Year Established 2000 Employees 36 Primary Regulator OCC Assets and Liabilities Assets $132.68 million Loans $84.54 million Deposits $120.33 million Equity Capital $11.13 million Loan Loss Allowance $3.57 million Unbacked Noncurrent Loans $10.14 million Real Estate Owned $2.76 million Historic Data - March 2011 Assets $155.21 million Equity Capital $14.61 million Loan Loss Allowance $4.50 million Unbacked Noncurrent Loans $17.07 million Real Estate Owned $6.09 million Profit Margin - Quarterly Net Interest Margin 3.88% Return on Assets -4.58% Return on Equity -52.03% Interest Income $1.41 million

Institution Health Overall Score: 2 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 Oaks National Bank had $12.9 million in non-current loans and owned real-estate with $14.69 million in equity and loan loss allowances on hand to cover it. This gives Mission Oaks National Bank a Texas Ratio of 87.82% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Mission Oaks National Bank decreased slightly from 118.24% as of March 31, 2011 to 87.82% as of March 31, 2012, resulting in a positive change of 25.72%.This indicates that the balance sheet and financial strength for Mission Oaks National Bank has improved slightly in recent periods. Deposit Growth In the past year, Mission Oaks National Bank has decreased its total deposits by -$19.09 million, resulting in -13.69% 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 Oaks National Bank has shown is poor. 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 Oaks National Bank has $132.68 million in assets with $14.69 million in equity, resulting in a capitalization level of 11.07%, which is above average.

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