Torrey Pines Bank

Torrey Pines Bank is headquartered in San Diego and is the 33^rd largest bank in the state of California. It is also the 384^th largest bank in the nation. It was established in 2003 and as of March of 2012, it had grown to 223 employees at 13 locations. Torrey Pines Bank has a 5-star health rating.

Torrey Pines Bank Routing Number: 122243635

Data for Q1 2012

Institution Statistics Torrey Pines Bank FDIC Certificate # 57577 BankRate Report View Year Established 2003 Employees 223 Primary Regulator FDIC Assets and Liabilities Assets $1.79 billion Loans $1.32 billion Deposits $1.53 billion Equity Capital $157.68 million Loan Loss Allowance $16.03 million Unbacked Noncurrent Loans $11.39 million Real Estate Owned $2.08 million Historic Data - March 2011 Assets $1.59 billion Equity Capital $137.05 million Loan Loss Allowance $15.80 million Unbacked Noncurrent Loans $12.20 million Real Estate Owned $972,000 Profit Margin - Quarterly Net Interest Margin 5.19% Return on Assets 1.27% Return on Equity 14.34% Interest Income $22.35 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 Torrey Pines Bank had $13.47 million in non-current loans and owned real-estate with $173.71 million in equity and loan loss allowances on hand to cover it. This gives Torrey Pines Bank a Texas Ratio of 7.75% 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 Torrey Pines Bank held steady from 8.62% as of March 31, 2011 to 7.75% as of March 31, 2012, resulting in a positive change of 10.02%.This indicates that the balance sheet and financial strength for Torrey Pines Bank has held steady in recent periods. Deposit Growth In the past year, Torrey Pines Bank has increased its total deposits by $113.81 million, resulting in 8.03% 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 Torrey Pines 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. Torrey Pines Bank has $1.79 billion in assets with $173.71 million in equity, resulting in a capitalization level of 9.73%, which is average.

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