Sunwest Bank

Sunwest Bank is headquartered in Irvine and is the 65^th largest bank in the state of California. It is also the 975^th largest bank in the nation. It was established in 1970 and as of March of 2013, it had grown to 151 employees at 13 locations. Sunwest Bank has a 3-star health rating.

Sunwest Bank Routing Number: 122228003

Data for Q1 2013

Institution Statistics Sunwest Bank FDIC Certificate # 20164 BankRate Report View Year Established 1970 Employees 151 Primary Regulator FDIC Assets and Liabilities Assets $685.49 million Loans $534.32 million Deposits $590.40 million Equity Capital $90.12 million Loan Loss Allowance $15.51 million Unbacked Noncurrent Loans $22.80 million Real Estate Owned $13.35 million Historic Data - March 2012 Assets $612.38 million Equity Capital $81.74 million Loan Loss Allowance $9.36 million Unbacked Noncurrent Loans $7.20 million Real Estate Owned $5.96 million Profit Margin - Quarterly Net Interest Margin 5.59% Return on Assets 2.98% Return on Equity 22.3% Interest Income $8.95 million

Institution Health Overall Score: 3 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, 2013 Sunwest Bank had $36.14 million in non-current loans and owned real-estate with $105.63 million in equity and loan loss allowances on hand to cover it. This gives Sunwest Bank a Texas Ratio of 34.21% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Sunwest Bank increased slightly from 13.20% as of March 31, 2012 to 34.21% as of March 31, 2013, resulting in a negative change of 159.19%. This indicates that the balance sheet and financial strength for Sunwest Bank has declined slightly in recent periods. Deposit Growth In the past year, Sunwest Bank has increased its total deposits by $77.06 million, resulting in 15.01% 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 Sunwest 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. Sunwest Bank has $685.49 million in assets with $105.63 million in equity, resulting in a capitalization level of 15.41%, which is excellent.

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