Northern California National Bank

Northern California National Bank is headquartered in Chico and is the 207^th largest bank in the state of California. It is also the 4,355^th largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 16 employees at 1 location. Northern California National Bank has a 5-star health rating.

Northern California National Bank Routing Number: 121144269

Data for Q1 2012

Institution Statistics Northern California National Bank FDIC Certificate # 58224 BankRate Report View Year Established 2006 Employees 16 Primary Regulator OCC Assets and Liabilities Assets $124.79 million Loans $38.08 million Deposits $109.83 million Equity Capital $14.74 million Loan Loss Allowance $905,000 Unbacked Noncurrent Loans $860,000 Historic Data - March 2011 Assets $112.03 million Equity Capital $13.89 million Loan Loss Allowance $760,000 Unbacked Noncurrent Loans $62,000 Profit Margin - Quarterly Net Interest Margin 2.63% Return on Assets 0.5% Return on Equity 3.98% Interest Income $850,000

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 Northern California National Bank had $860,000 in non-current loans and owned real-estate with $15.64 million in equity and loan loss allowances on hand to cover it. This gives Northern California National Bank a Texas Ratio of 5.50% 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 Northern California National Bank increased slightly from 0.42% as of March 31, 2011 to 5.50% as of March 31, 2012, resulting in a negative change of 1,199.05%. This indicates that the balance sheet and financial strength for Northern California National Bank has declined slightly in recent periods. Deposit Growth In the past year, Northern California National Bank has increased its total deposits by $12.58 million, resulting in 12.93% 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 Northern California National 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. Northern California National Bank has $124.79 million in assets with $15.64 million in equity, resulting in a capitalization level of 12.54%, which is excellent.

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