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Overview / Commentary
949-732-4000
27201 Puerta Real, Suite 160
Mission Viejo, CA 92691

Partners Bank of California is headquartered in Mission Viejo and is the 188th largest bank in the state of California. It is also the 4,288th largest bank in the nation. It was established in 2007 and as of March of 2014, it had grown to 23 employees at 1 location. Partners Bank of California has a B health rating.

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Health

Data for Q1 2014

Institution Health

B

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Partners Bank of California had $3.51 million in non-current loans and owned real-estate with $16.73 million in equity and loan loss allowances on hand to cover it. This gives Partners Bank of California a Texas Ratio of 20.97% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Partners Bank of California decreased slightly from 25.12% as of March 31, 2013 to 20.97% as of March 31, 2014, resulting in a positive change of 16.53%.This indicates that the balance sheet and financial strength for Partners Bank of California has improved slightly in recent periods.

Deposit Growth

GRADE:
C-

In the past year, Partners Bank of California has decreased its total deposits by -$5.39 million, resulting in -4.87% 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 below average.

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. Partners Bank of California has $119.94 million in assets with $16.73 million in equity, resulting in a capitalization level of 13.95%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #58588
Year Established2007
Employees23
Primary RegulatorFDIC
Assets and Liabilities
Assets$119.94 million
Loans$89.17 million
Deposits$105.28 million
Equity Capital$14.24 million
Loan Loss Allowance$2.50 million
Unbacked Noncurrent Loans$3.51 million
Real Estate Owned$0
Historic Data - March 2013
Assets$126.15 million
Equity Capital$15.15 million
Loan Loss Allowance$2.93 million
Unbacked Noncurrent Loans$3.51 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.36%
Return on Assets0.42%
Return on Equity3.64%
Interest Income$1.15 million
Rates

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Locations


Partners Bank of California Locations
Partners Bank Of California27201 Puerta Real, Suite 160Mission Viejo, CA 92691