Pacific Coast Bankers' Bank

Pacific Coast Bankers' Bank is headquartered in San Francisco and is the 66^th largest bank in the state of California. It is also the 1,008^th largest bank in the nation. It was established in 1997 and as of March of 2012, it had grown to 74 employees at 1 location. Pacific Coast Bankers' Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics Pacific Coast Bankers' Bank FDIC Certificate # 34252 BankRate Report View Year Established 1997 Employees 74 Primary Regulator FED Assets and Liabilities Assets $658.18 million Loans $168.19 million Deposits $509.98 million Equity Capital $69.75 million Loan Loss Allowance $4.96 million Unbacked Noncurrent Loans $6.22 million Real Estate Owned $1.68 million Historic Data - March 2011 Assets $614.70 million Equity Capital $64.47 million Loan Loss Allowance $5.30 million Unbacked Noncurrent Loans $15.67 million Real Estate Owned $4.23 million Profit Margin - Quarterly Net Interest Margin 2.34% Return on Assets 0.56% Return on Equity 5.15% Interest Income $3.20 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 Coast Bankers' Bank had $7.9 million in non-current loans and owned real-estate with $74.72 million in equity and loan loss allowances on hand to cover it. This gives Pacific Coast Bankers' Bank a Texas Ratio of 10.57% 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 Pacific Coast Bankers' Bank decreased significantly from 28.52% as of March 31, 2011 to 10.57% as of March 31, 2012, resulting in a positive change of 62.95%.This indicates that the balance sheet and financial strength for Pacific Coast Bankers' Bank has improved significantly in recent periods. Deposit Growth In the past year, Pacific Coast Bankers' Bank has increased its total deposits by $16.33 million, resulting in 3.31% 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 Coast Bankers' Bank 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. Pacific Coast Bankers' Bank has $658.18 million in assets with $74.72 million in equity, resulting in a capitalization level of 11.35%, which is above average.

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