Suncrest Bank

Suncrest Bank is headquartered in Visalia and is the 232^nd largest bank in the state of California. It is also the 5,067^th largest bank in the nation. It was established in 2008 and as of March of 2012, it had grown to 23 employees at 2 locations. Suncrest Bank has a 5-star health rating.

Suncrest Bank Routing Number: 121144939

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Data for Q1 2012

Institution Statistics Suncrest Bank FDIC Certificate # 58728 BankRate Report View Year Established 2008 Employees 23 Primary Regulator FDIC Assets and Liabilities Assets $95.73 million Loans $67.75 million Deposits $82.49 million Equity Capital $12.82 million Loan Loss Allowance $1.30 million Unbacked Noncurrent Loans $1.46 million Real Estate Owned $252,000 Historic Data - March 2011 Assets $80.80 million Equity Capital $12.85 million Loan Loss Allowance $1.13 million Unbacked Noncurrent Loans $4.06 million Real Estate Owned $306,000 Profit Margin - Quarterly Net Interest Margin 4.39% Return on Assets 0.35% Return on Equity 2.54% Interest Income $1.08 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 Suncrest Bank had $1.72 million in non-current loans and owned real-estate with $14.12 million in equity and loan loss allowances on hand to cover it. This gives Suncrest Bank a Texas Ratio of 12.16% 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 Suncrest Bank decreased significantly from 31.22% as of March 31, 2011 to 12.16% as of March 31, 2012, resulting in a positive change of 61.06%.This indicates that the balance sheet and financial strength for Suncrest Bank has improved significantly in recent periods. Deposit Growth In the past year, Suncrest Bank has increased its total deposits by $14.9 million, resulting in 22.04% 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 Suncrest 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. Suncrest Bank has $95.73 million in assets with $14.12 million in equity, resulting in a capitalization level of 14.75%, which is excellent.

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