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Overview / Commentary
41530 Enterprise Circle South, Suite 100
Temecula, CA 92590

Mission Oaks National Bank is headquartered in Temecula and is the 199th largest bank in the state of California. It is also the 4,767th largest bank in the nation. It was established in 2000 and as of March of 2014, it had grown to 28 employees at 2 locations. Mission Oaks National Bank has a C- health rating.

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Health

Data for Q1 2014

Institution Health

C-
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Mission Oaks National Bank has a relatively low asset base.

Texas Ratio

GRADE:
C-

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Mission Oaks National Bank had $7.31 million in non-current loans and owned real-estate with $11.82 million in equity and loan loss allowances on hand to cover it. This gives Mission Oaks National Bank a Texas Ratio of 61.89% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C-

The Texas Ratio for Mission Oaks National Bank increased slightly from 41.56% as of March 31, 2013 to 61.89% as of March 31, 2014, resulting in a negative change of 48.93%. This indicates that the balance sheet and financial strength for Mission Oaks National Bank has declined slightly in recent periods.

Deposit Growth

GRADE:
D

In the past year, Mission Oaks National Bank has decreased its total deposits by -$6.03 million, resulting in -6.37% 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 below average.

Capitalization

GRADE:
A

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 $98.52 million in assets with $11.82 million in equity, resulting in a capitalization level of 11.99%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #57021
Year Established2000
Employees28
Primary RegulatorOCC
Assets and Liabilities
Assets$98.52 million
Loans$64.81 million
Deposits$88.55 million
Equity Capital$9.28 million
Loan Loss Allowance$2.53 million
Unbacked Noncurrent Loans$7.31 million
Real Estate Owned$0
Historic Data - March 2013
Assets$104.87 million
Equity Capital$9.63 million
Loan Loss Allowance$2.89 million
Unbacked Noncurrent Loans$7.31 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.03%
Return on Assets-0.81%
Return on Equity-8.4%
Interest Income$985,000
Rates

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Locations


Mission Oaks National Bank Locations
Mission Oaks National Bank41530 Enterprise Circle South, Suite 100Temecula, CA 92590
Fallbrook Branch845 South Main AvenueFallbrook, CA 92028