Pacific Enterprise Bank

Pacific Enterprise Bank is headquartered in Irvine and is the 123^rd largest bank in the state of California. It is also the 2,306^th largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 45 employees at 1 location. Pacific Enterprise Bank has a 5-star health rating.

Pacific Enterprise Bank Routing Number: 122244595

Data for Q1 2012

Institution Statistics Pacific Enterprise Bank FDIC Certificate # 58415 BankRate Report View Year Established 2007 Employees 45 Primary Regulator FED Assets and Liabilities Assets $280.76 million Loans $206.76 million Deposits $241.88 million Equity Capital $27.75 million Loan Loss Allowance $3.48 million Unbacked Noncurrent Loans $1.09 million Historic Data - March 2011 Assets $206.59 million Equity Capital $23.59 million Loan Loss Allowance $2.78 million Unbacked Noncurrent Loans $2.72 million Profit Margin - Quarterly Net Interest Margin 4.58% Return on Assets 1.37% Return on Equity 14.18% Interest Income $3.70 million

Institution Health Overall Score: 5 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 Enterprise Bank had $1.09 million in non-current loans and owned real-estate with $31.23 million in equity and loan loss allowances on hand to cover it. This gives Pacific Enterprise Bank a Texas Ratio of 3.49% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Pacific Enterprise Bank decreased significantly from 10.92% as of March 31, 2011 to 3.49% as of March 31, 2012, resulting in a positive change of 68.08%.This indicates that the balance sheet and financial strength for Pacific Enterprise Bank has improved significantly in recent periods. Deposit Growth In the past year, Pacific Enterprise Bank has increased its total deposits by $69.88 million, resulting in 40.63% 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 Enterprise 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 Enterprise Bank has $280.76 million in assets with $31.23 million in equity, resulting in a capitalization level of 11.12%, which is above average.

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