OneCalifornia Bank, FSB

OneCalifornia Bank, FSB is headquartered in Oakland and is the 121^st largest bank in the state of California. It is also the 2,272^nd largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 50 employees at 3 locations. OneCalifornia Bank, FSB has a 4-star health rating.

Data for Q1 2012

Institution Statistics One PacificCoast Bank, FSB OTS # 18032 FDIC Certificate # 58490 BankRate Report View Year Established 2007 Employees 50 Primary Regulator OCC Assets and Liabilities Assets $286.95 million Loans $147.55 million Deposits $225.14 million Equity Capital $33.19 million Loan Loss Allowance $2.15 million Unbacked Noncurrent Loans $6.03 million Real Estate Owned $2.00 million Historic Data - March 2011 Assets $283.23 million Equity Capital $32.53 million Loan Loss Allowance $1.34 million Unbacked Noncurrent Loans $10.77 million Profit Margin - Quarterly Net Interest Margin 3.6% Return on Assets -0.32% Return on Equity -2.76% Interest Income $2.84 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 OneCalifornia Bank, FSB had $8.04 million in non-current loans and owned real-estate with $35.35 million in equity and loan loss allowances on hand to cover it. This gives OneCalifornia Bank, FSB a Texas Ratio of 22.73% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for OneCalifornia Bank, FSB decreased slightly from 29.62% as of March 31, 2011 to 22.73% as of March 31, 2012, resulting in a positive change of 23.25%.This indicates that the balance sheet and financial strength for OneCalifornia Bank, FSB has improved slightly in recent periods. Deposit Growth In the past year, OneCalifornia Bank, FSB has increased its total deposits by $2.64 million, resulting in 1.19% 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 OneCalifornia Bank, FSB has shown is above average. 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. OneCalifornia Bank, FSB has $286.95 million in assets with $35.35 million in equity, resulting in a capitalization level of 12.32%, which is excellent.

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