Pacific Alliance Bank

Pacific Alliance Bank is headquartered in Rosemead and is the 211^st largest bank in the state of California. It is also the 4,452^nd largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 28 employees at 1 location. Pacific Alliance Bank has a 4-star health rating.

Pacific Alliance Bank Routing Number: 122244511

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Data for Q1 2012

Institution Statistics Pacific Alliance Bank FDIC Certificate # 58234 BankRate Report View Year Established 2006 Employees 28 Primary Regulator FDIC Assets and Liabilities Assets $120.65 million Loans $80.79 million Deposits $103.62 million Equity Capital $12.56 million Loan Loss Allowance $2.13 million Unbacked Noncurrent Loans $4.25 million Historic Data - March 2011 Assets $100.89 million Equity Capital $12.41 million Loan Loss Allowance $1.73 million Unbacked Noncurrent Loans $192,000 Profit Margin - Quarterly Net Interest Margin 3.51% Return on Assets -0.92% Return on Equity -8.57% Interest Income $1.25 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 Pacific Alliance Bank had $4.25 million in non-current loans and owned real-estate with $14.69 million in equity and loan loss allowances on hand to cover it. This gives Pacific Alliance Bank a Texas Ratio of 28.96% 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 Pacific Alliance Bank increased slightly from 1.36% as of March 31, 2011 to 28.96% as of March 31, 2012, resulting in a negative change of 2,033.56%. This indicates that the balance sheet and financial strength for Pacific Alliance Bank has declined slightly in recent periods. Deposit Growth In the past year, Pacific Alliance Bank has increased its total deposits by $19.74 million, resulting in 23.53% 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 Pacific Alliance 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. Pacific Alliance Bank has $120.65 million in assets with $14.69 million in equity, resulting in a capitalization level of 12.17%, which is excellent.

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