Trans-Pacific National Bank

Trans-Pacific National Bank is headquartered in San Francisco and is the 216^st largest bank in the state of California. It is also the 4,680^th largest bank in the nation. It was established in 1984 and as of March of 2012, it had grown to 31 employees at 3 locations. Trans-Pacific National Bank has a 3-star health rating.

Trans-Pacific National Bank CD Rates

Data for Q1 2012

Institution Statistics Trans-Pacific National Bank FDIC Certificate # 25644 BankRate Report View Year Established 1984 Employees 31 Primary Regulator OCC Assets and Liabilities Assets $111.51 million Loans $77.34 million Deposits $98.02 million Equity Capital $12.78 million Loan Loss Allowance $3.08 million Unbacked Noncurrent Loans $2.68 million Real Estate Owned $813,000 Historic Data - March 2011 Assets $124.94 million Equity Capital $12.26 million Loan Loss Allowance $3.52 million Unbacked Noncurrent Loans $3.13 million Real Estate Owned $1.51 million Profit Margin - Quarterly Net Interest Margin 4.36% Return on Assets 0.07% Return on Equity 0.59% Interest Income $1.28 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, 2012 Trans-Pacific National Bank had $3.49 million in non-current loans and owned real-estate with $15.86 million in equity and loan loss allowances on hand to cover it. This gives Trans-Pacific National Bank a Texas Ratio of 22.00% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Trans-Pacific National Bank decreased slightly from 29.41% as of March 31, 2011 to 22.00% as of March 31, 2012, resulting in a positive change of 25.22%.This indicates that the balance sheet and financial strength for Trans-Pacific National Bank has improved slightly in recent periods. Deposit Growth In the past year, Trans-Pacific National Bank has decreased its total deposits by -$5.38 million, resulting in -5.2% 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 Trans-Pacific National Bank has shown is poor. 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. Trans-Pacific National Bank has $111.5 million in assets with $15.86 million in equity, resulting in a capitalization level of 14.22%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.