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619-744-7200
10250 Constellation Blvd.
Los Angeles, CA 90067

Pacific Western Bank is headquartered in Los Angeles and is the 14st largest bank in the state of California. It is also the 149th largest bank in the nation. It was established in 1982 and as of December of 2013, it had grown to 1,108 employees at 76 locations. Pacific Western Bank has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
B+

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 December 31, 2013 Pacific Western Bank had $137.33 million in non-current loans and owned real-estate with $993.23 million in equity and loan loss allowances on hand to cover it. This gives Pacific Western Bank a Texas Ratio of 13.83% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Pacific Western Bank experienced no significant changes from 15.03% as of December 31, 2012 to 13.83% as of December 31, 2013, resulting in a positive change of 8.03%.This indicates that the balance sheet and financial strength for Pacific Western Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Pacific Western Bank has increased its total deposits by $688.3 million, resulting in 14.52% 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 Western Bank has shown is excellent.

Capitalization

GRADE:
A+

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 Western Bank has $6.53 billion in assets with $993.23 million in equity, resulting in a capitalization level of 15.22%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #24045
Year Established1982
Employees1108
Primary RegulatorFDIC
Assets and Liabilities
Assets$6.53 billion
Loans$4.23 billion
Deposits$5.43 billion
Equity Capital$911.20 million
Loan Loss Allowance$82.03 million
Unbacked Noncurrent Loans$94.53 million
Real Estate Owned$42.80 million
Historic Data - December 2012
Assets$5.45 billion
Equity Capital$649.66 million
Loan Loss Allowance$91.97 million
Unbacked Noncurrent Loans$94.53 million
Real Estate Owned$33.57 million
Profit Margin - Quarterly
Net Interest Margin5.54%
Return on Assets0.75%
Return on Equity5.69%
Interest Income$309.91 million
Rates

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Locations

Pacific Western Bank has 75 locations. Click to view all Pacific Western Bank locations.