Partners Bank of California

Partners Bank of California is headquartered in Mission Viejo and is the 222^nd largest bank in the state of California. It is also the 4,779^th largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 24 employees at 1 location. Partners Bank of California has a 5-star health rating.

Partners Bank of California Routing Number: 122244773

Partners Bank of California CD Rates

Data for Q1 2012

Institution Statistics Partners Bank of California FDIC Certificate # 58588 BankRate Report View Year Established 2007 Employees 24 Primary Regulator FDIC Assets and Liabilities Assets $107.14 million Loans $78.73 million Deposits $91.09 million Equity Capital $15.67 million Loan Loss Allowance $2.83 million Unbacked Noncurrent Loans $1.32 million Historic Data - March 2011 Assets $97.39 million Equity Capital $9.01 million Loan Loss Allowance $2.52 million Unbacked Noncurrent Loans $179,000 Profit Margin - Quarterly Net Interest Margin 4.51% Return on Assets 0.07% Return on Equity 0.49% Interest Income $1.35 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 Partners Bank of California had $1.32 million in non-current loans and owned real-estate with $18.5 million in equity and loan loss allowances on hand to cover it. This gives Partners Bank of California a Texas Ratio of 7.14% 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 Partners Bank of California increased slightly from 1.55% as of March 31, 2011 to 7.14% as of March 31, 2012, resulting in a negative change of 359.91%. This indicates that the balance sheet and financial strength for Partners Bank of California has declined slightly in recent periods. Deposit Growth In the past year, Partners Bank of California has increased its total deposits by $3.1 million, resulting in 3.52% 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 Partners Bank of California 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. Partners Bank of California has $107.14 million in assets with $18.5 million in equity, resulting in a capitalization level of 17.27%, which is excellent.

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