Presidio Bank

Presidio Bank is headquartered in San Francisco and is the 106^th largest bank in the state of California. It is also the 1,640^th largest bank in the nation. It was established in 2006 and as of December of 2012, it had grown to 46 employees at 5 locations. Presidio Bank has a 5-star health rating.

Presidio Bank Routing Number: 121044356

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Data for Q4 2012

Institution Statistics Presidio Bank FDIC Certificate # 58325 BankRate Report View Year Established 2006 Employees 46 Primary Regulator FED Assets and Liabilities Assets $405.46 million Loans $309.05 million Deposits $357.37 million Equity Capital $45.88 million Loan Loss Allowance $4.95 million Unbacked Noncurrent Loans $1.78 million Historic Data - December 2011 Assets $357.35 million Equity Capital $44.69 million Loan Loss Allowance $4.94 million Unbacked Noncurrent Loans $1.70 million Profit Margin - Quarterly Net Interest Margin 3.71% Return on Assets 0.33% Return on Equity 2.85% Interest Income $14.83 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 December 31, 2012 Presidio Bank had $1.78 million in non-current loans and owned real-estate with $50.82 million in equity and loan loss allowances on hand to cover it. This gives Presidio Bank a Texas Ratio of 3.51% 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 Presidio Bank held steady from 3.42% as of December 31, 2011 to 3.51% as of December 31, 2012, resulting in a negative change of 2.55%. This indicates that the balance sheet and financial strength for Presidio Bank has held steady in recent periods. Deposit Growth In the past year, Presidio Bank has increased its total deposits by $46.61 million, resulting in 15% 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 Presidio 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. Presidio Bank has $405.46 million in assets with $50.82 million in equity, resulting in a capitalization level of 12.53%, which is excellent.

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