The Bank of Hemet

The Bank of Hemet is headquartered in Riverside and is the 89^th largest bank in the state of California. It is also the 1,471^st largest bank in the nation. It was established in 1974 and as of March of 2012, it had grown to 83 employees at 6 locations. The Bank of Hemet has a 5-star health rating.

Data for Q1 2012

Institution Statistics The Bank of Hemet FDIC Certificate # 21606 BankRate Report View Year Established 1974 Employees 83 Primary Regulator FDIC Assets and Liabilities Assets $453.27 million Loans $361.00 million Deposits $399.44 million Equity Capital $52.72 million Loan Loss Allowance $6.92 million Unbacked Noncurrent Loans $3.50 million Real Estate Owned $285,000 Historic Data - March 2011 Assets $443.51 million Equity Capital $51.07 million Loan Loss Allowance $6.33 million Unbacked Noncurrent Loans $6.06 million Profit Margin - Quarterly Net Interest Margin 5.09% Return on Assets 2.79% Return on Equity 23.84% Interest Income $5.80 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 The Bank of Hemet had $3.79 million in non-current loans and owned real-estate with $59.63 million in equity and loan loss allowances on hand to cover it. This gives The Bank of Hemet a Texas Ratio of 6.35% 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 The Bank of Hemet decreased slightly from 10.55% as of March 31, 2011 to 6.35% as of March 31, 2012, resulting in a positive change of 39.80%.This indicates that the balance sheet and financial strength for The Bank of Hemet has improved slightly in recent periods. Deposit Growth In the past year, The Bank of Hemet has increased its total deposits by $13.25 million, resulting in 3.43% 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 The Bank of Hemet 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. The Bank of Hemet has $453.26 million in assets with $59.63 million in equity, resulting in a capitalization level of 13.16%, which is excellent.

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