Opus Bank

Opus Bank is headquartered in Redondo Beach and is the 32^nd largest bank in the state of California. It is also the 367^th largest bank in the nation. It was established in 1993 and as of September of 2011, it had grown to 426 employees at 29 locations. Opus Bank has a 4-star health rating.

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Data for Q3 2011

Institution Statistics Opus Bank FDIC Certificate # 33806 BankRate Report View Year Established 1993 Employees 426 Primary Regulator FDIC Assets and Liabilities Assets $1.88 billion Loans $1.07 billion Deposits $1.42 billion Equity Capital $396.24 million Loan Loss Allowance $1.92 million Unbacked Noncurrent Loans $21.49 million Real Estate Owned $13.25 million Historic Data - September 2010 Assets $708.09 million Equity Capital $432.91 million Unbacked Noncurrent Loans $249,000 Profit Margin - Quarterly Net Interest Margin 2.46% Return on Assets -2.42% Return on Equity -8.3% Interest Income $24.84 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 September 30, 2011 Opus Bank had $34.73 million in non-current loans and owned real-estate with $398.16 million in equity and loan loss allowances on hand to cover it. This gives Opus Bank a Texas Ratio of 8.72% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Opus Bank increased slightly from 0.06% as of September 30, 2010 to 8.72% as of September 30, 2011, resulting in a negative change of 15,065.73%. This indicates that the balance sheet and financial strength for Opus Bank has declined slightly in recent periods. Deposit Growth In the past year, Opus Bank has increased its total deposits by $1.15 billion, resulting in 424.66% 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 Opus 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. Opus Bank has $1.88 billion in assets with $398.16 million in equity, resulting in a capitalization level of 21.21%, which is excellent.