Orange County Business Bank

Orange County Business Bank is headquartered in Irvine and is the 161^st largest bank in the state of California. It is also the 3,414^st largest bank in the nation. It was established in 2002 and as of March of 2012, it had grown to 29 employees at 1 location. Orange County Business Bank has a 4-star health rating.

Orange County Business Bank Routing Number: 122243460

Data for Q1 2012

Institution Statistics Orange County Business Bank FDIC Certificate # 57338 BankRate Report View Year Established 2002 Employees 29 Primary Regulator FDIC Assets and Liabilities Assets $178.69 million Loans $86.07 million Deposits $120.53 million Equity Capital $38.31 million Loan Loss Allowance $2.85 million Unbacked Noncurrent Loans $10.80 million Historic Data - March 2011 Assets $188.73 million Equity Capital $38.13 million Loan Loss Allowance $4.80 million Unbacked Noncurrent Loans $14.86 million Profit Margin - Quarterly Net Interest Margin 3.23% Return on Assets -0.18% Return on Equity -0.82% Interest Income $1.57 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 Orange County Business Bank had $10.8 million in non-current loans and owned real-estate with $41.15 million in equity and loan loss allowances on hand to cover it. This gives Orange County Business Bank a Texas Ratio of 26.24% 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 Orange County Business Bank decreased slightly from 34.81% as of March 31, 2011 to 26.24% as of March 31, 2012, resulting in a positive change of 24.63%.This indicates that the balance sheet and financial strength for Orange County Business Bank has improved slightly in recent periods. Deposit Growth In the past year, Orange County Business Bank has decreased its total deposits by -$6.01 million, resulting in -4.75% 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 Orange County Business Bank has shown is below 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. Orange County Business Bank has $178.69 million in assets with $41.15 million in equity, resulting in a capitalization level of 23.03%, which is excellent.

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