Pan Pacific Bank

Pan Pacific Bank is headquartered in Fremont and is the 215^st largest bank in the state of California. It is also the 4,565^th largest bank in the nation. It was established in 2005 and as of March of 2012, it had grown to 23 employees at 1 location. Pan Pacific Bank has a 5-star health rating.

Pan Pacific Bank Routing Number: 121143985

Data for Q1 2012

Institution Statistics Pan Pacific Bank FDIC Certificate # 57989 BankRate Report View Year Established 2005 Employees 23 Primary Regulator FDIC Assets and Liabilities Assets $115.53 million Loans $86.50 million Deposits $102.30 million Equity Capital $12.68 million Loan Loss Allowance $1.79 million Unbacked Noncurrent Loans $1.41 million Historic Data - March 2011 Assets $95.36 million Equity Capital $8.48 million Loan Loss Allowance $1.84 million Unbacked Noncurrent Loans $1.67 million Profit Margin - Quarterly Net Interest Margin 3.96% Return on Assets 1.22% Return on Equity 11.28% Interest Income $1.30 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 Pan Pacific Bank had $1.41 million in non-current loans and owned real-estate with $14.47 million in equity and loan loss allowances on hand to cover it. This gives Pan Pacific Bank a Texas Ratio of 9.75% 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 Pan Pacific Bank decreased slightly from 11.62% as of March 31, 2011 to 9.75% as of March 31, 2012, resulting in a positive change of 16.15%.This indicates that the balance sheet and financial strength for Pan Pacific Bank has improved slightly in recent periods. Deposit Growth In the past year, Pan Pacific Bank has increased its total deposits by $15.75 million, resulting in 18.19% 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 Pan Pacific 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. Pan Pacific Bank has $115.53 million in assets with $14.47 million in equity, resulting in a capitalization level of 12.52%, which is excellent.

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