Pacific Western Bank

Pacific Western Bank is headquartered in Los Angeles and is the 15^st largest bank in the state of California. It is also the 164^th largest bank in the nation. It was established in 1982 and as of December of 2012, it had grown to 991 employees at 70 locations. Pacific Western Bank has a 4-star health rating.

Data for Q4 2012

Institution Statistics Pacific Western Bank FDIC Certificate # 24045 BankRate Report View Year Established 1982 Employees 991 Primary Regulator FDIC Assets and Liabilities Assets $5.45 billion Loans $3.50 billion Deposits $4.74 billion Equity Capital $649.66 million Loan Loss Allowance $91.97 million Unbacked Noncurrent Loans $78.88 million Real Estate Owned $33.57 million Historic Data - December 2011 Assets $5.51 billion Equity Capital $625.49 million Loan Loss Allowance $116.59 million Unbacked Noncurrent Loans $117.80 million Real Estate Owned $48.41 million Profit Margin - Quarterly Net Interest Margin 5.73% Return on Assets 1.12% Return on Equity 9.55% Interest Income $296.12 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 December 31, 2012 Pacific Western Bank had $112.45 million in non-current loans and owned real-estate with $741.62 million in equity and loan loss allowances on hand to cover it. This gives Pacific Western Bank a Texas Ratio of 15.16% 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 Western Bank decreased slightly from 22.92% as of December 31, 2011 to 15.16% as of December 31, 2012, resulting in a positive change of 33.86%.This indicates that the balance sheet and financial strength for Pacific Western Bank has improved slightly in recent periods. Deposit Growth In the past year, Pacific Western Bank has increased its total deposits by $125.39 million, resulting in 2.72% 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 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 Western Bank has $5.45 billion in assets with $741.62 million in equity, resulting in a capitalization level of 13.62%, which is excellent.

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