Neighborhood National Bank (CA)

Neighborhood National Bank (CA) is headquartered in San Diego and is the 227^th largest bank in the state of California. It is also the 4,859^th largest bank in the nation. It was established in 1997 and as of March of 2012, it had grown to 50 employees at 3 locations. Neighborhood National Bank (CA) has a 1-star health rating.

Data for Q1 2012

Institution Statistics Neighborhood National Bank FDIC Certificate # 34548 BankRate Report View Year Established 1997 Employees 50 Primary Regulator OCC Assets and Liabilities Assets $103.68 million Loans $76.82 million Deposits $95.08 million Equity Capital $7.52 million Loan Loss Allowance $4.77 million Unbacked Noncurrent Loans $11.16 million Real Estate Owned $491,000 Historic Data - March 2011 Assets $119.68 million Equity Capital $10.04 million Loan Loss Allowance $3.97 million Unbacked Noncurrent Loans $7.44 million Real Estate Owned $1.15 million Profit Margin - Quarterly Net Interest Margin 4.16% Return on Assets -5.65% Return on Equity -71.24% Interest Income $1.16 million

Institution Health Overall Score: 1 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 Neighborhood National Bank (CA) had $11.65 million in non-current loans and owned real-estate with $12.29 million in equity and loan loss allowances on hand to cover it. This gives Neighborhood National Bank (CA) a Texas Ratio of 94.84% 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 Neighborhood National Bank (CA) increased slightly from 59.80% as of March 31, 2011 to 94.84% as of March 31, 2012, resulting in a negative change of 58.60%. This indicates that the balance sheet and financial strength for Neighborhood National Bank (CA) has declined slightly in recent periods. Deposit Growth In the past year, Neighborhood National Bank (CA) has decreased its total deposits by -$13.34 million, resulting in -12.31% 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 Neighborhood National Bank (CA) 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. Neighborhood National Bank (CA) has $103.68 million in assets with $12.29 million in equity, resulting in a capitalization level of 11.85%, which is above average.

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