The Private Bank of the Peninsula

The Private Bank of the Peninsula is headquartered in Palo Alto and is the 111^st largest bank in the state of California. It is also the 1,932^nd largest bank in the nation. It was established in 2003 and as of March of 2012, it had grown to 40 employees at 1 location. The Private Bank of the Peninsula has a 5-star health rating.

The Private Bank of the Peninsula Routing Number: 121143626

Data for Q1 2012

Institution Statistics Avidbank FDIC Certificate # 57510 BankRate Report View Year Established 2003 Employees 40 Primary Regulator FDIC Assets and Liabilities Assets $340.45 million Loans $217.21 million Deposits $300.24 million Equity Capital $35.01 million Loan Loss Allowance $4.36 million Unbacked Noncurrent Loans $173,000 Historic Data - March 2011 Assets $313.41 million Equity Capital $30.98 million Loan Loss Allowance $4.42 million Unbacked Noncurrent Loans $4.02 million Profit Margin - Quarterly Net Interest Margin 4.66% Return on Assets 0.9% Return on Equity 8.98% Interest Income $4.20 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 Private Bank of the Peninsula had $173,000 in non-current loans and owned real-estate with $39.37 million in equity and loan loss allowances on hand to cover it. This gives The Private Bank of the Peninsula a Texas Ratio of 0.44% 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 Private Bank of the Peninsula decreased significantly from 11.34% as of March 31, 2011 to 0.44% as of March 31, 2012, resulting in a positive change of 96.13%.This indicates that the balance sheet and financial strength for The Private Bank of the Peninsula has improved significantly in recent periods. Deposit Growth In the past year, The Private Bank of the Peninsula has increased its total deposits by $19.34 million, resulting in 6.89% 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 Private Bank of the Peninsula 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. The Private Bank of the Peninsula has $340.45 million in assets with $39.37 million in equity, resulting in a capitalization level of 11.56%, which is above average.

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