Alaska Pacific Bank

2094 Jordan Avenue
Juneau, AK 99801
(907) 790-5199
www.alaskapacificbank.com

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Alaska Pacific Bank is headquartered in Juneau and is the 6^th largest bank in the state of Alaska. It is also the 3,488^th largest bank in the nation. It was established in 1936 and as of December of 2011, it had grown to 59 employees at 5 locations. Alaska Pacific Bank has a 3-star health rating.

Alaska Pacific Bank Routing Number: 325270049

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See Rates for: Checking | Savings | Money Market | CD | IRA

Alaska Pacific Bank Checking Account Rates

	Apy	Min	Max	Product
	0.05%	$5k	-	Interest Checking

Alaska Pacific Bank Savings Account Rates

Apy	Min	Max	Product
0.30%	$50k	-	Health Savings Account
0.10%	$100	-	Regular Savings
0.10%	$100	-	IRA Savings
0.10%	$100	-	Roth IRA Savings
0.10%	$100	-	Coverdell Education Savings
0.10%	$100	-	SEP IRA Savings
0.10%	$100	-	Business Regular Savings

Alaska Pacific Bank Money Market Rates

Apy	Min	Max	Product
0.30%	$500k	-	Preference Money Market
0.30%	$500k	-	Business Preference Money Market
0.20%	$25k	-	Money Market
0.20%	$25k	-	Business Money Market

Alaska Pacific Bank CD Rates

Apy	Min	Max	Product
1.10%	$2k	-	5 Year Fixed-rate CD
1.10%	$2k	-	Business 5 Year Fixed-rate CD
1.05%	$2k	-	4 Year Fixed-rate CD
1.05%	$2k	-	Business 4 Year Fixed-rate CD
0.90%	$2k	-	3 Year Fixed-rate CD
0.90%	$2k	-	Business 3 Year Fixed-rate CD
0.75%	$2k	-	2 Year Fixed-rate CD
0.75%	$2k	-	Business 2 Year Fixed-rate CD
0.70%	$500	-	1 Year Gold Minor CD
0.55%	$2k	-	1.5 Year Fixed-rate CD
0.55%	$2k	-	Business 1.5 Year Fixed-rate CD
0.50%	$2k	-	2.5 Year Variable-rate CD
0.50%	$2k	-	Business 2.5 Year Variable-rate CD
0.45%	$2k	-	1 Year Fixed-rate CD
0.45%	$2k	-	Business 1 Year Fixed-rate CD
0.30%	$2k	-	270-364 Day Fixed-rate CD
0.30%	$2k	-	Business 270-364 Day Fixed-rate CD
0.20%	$2k	-	1 Year Variable-rate CD
0.20%	$2k	-	32-59 Day Fixed-rate CD
0.20%	$2k	-	60-89 Day Fixed-rate CD
0.20%	$2k	-	90-179 Day Fixed-rate CD
0.20%	$2k	-	180-269 Day Fixed-rate CD
0.20%	$2k	-	Business 32-59 Day Fixed-rate CD
0.20%	$2k	-	Business 60-89 Day Fixed-rate CD
0.20%	$2k	-	Business 90-179 Day Fixed-rate CD
0.20%	$2k	-	Business 180-269 Day Fixed-rate CD
0.20%	$2k	-	Business 1 Year Variable-rate CD
0.10%	$2k	-	7-31 Day Fixed-rate CD
0.10%	$2k	-	Business 7-31 Day Fixed-rate CD

Alaska Pacific Bank IRA Rates

Apy	Min	Max	Product
1.10%	$2k	-	5 Year Fixed-rate IRA
1.10%	$2k	-	5 Year Fixed-rate Roth IRA
1.10%	$2k	-	5 Year Fixed-rate Coverdell ESA
1.10%	$2k	-	5 Year Fixed-rate SEP IRA
1.05%	$2k	-	4 Year Fixed-rate IRA
1.05%	$2k	-	4 Year Fixed-rate Roth IRA
1.05%	$2k	-	4 Year Fixed-rate Coverdell ESA
1.05%	$2k	-	4 Year Fixed-rate SEP IRA
0.90%	$2k	-	3 Year Fixed-rate IRA
0.90%	$2k	-	3 Year Fixed-rate Roth IRA
0.90%	$2k	-	3 Year Fixed-rate Coverdell ESA
0.90%	$2k	-	3 Year Fixed-rate SEP IRA
0.75%	$2k	-	2 Year Fixed-rate IRA
0.75%	$2k	-	2 Year Fixed-rate Roth IRA
0.75%	$2k	-	2 Year Fixed-rate Coverdell ESA
0.75%	$2k	-	2 Year Fixed-rate SEP IRA
0.70%	$500	-	1 Year Gold Minor Coverdell ESA
0.55%	$2k	-	1.5 Year Fixed-rate IRA
0.55%	$2k	-	1.5 Year Fixed-rate Roth IRA
0.55%	$2k	-	1.5 Year Fixed-rate Coverdell ESA
0.55%	$2k	-	1.5 Year Fixed-rate SEP IRA
0.50%	$2k	-	2.5 Year Variable-rate IRA
0.50%	$2k	-	2.5 Year Variable-rate Roth IRA
0.50%	$2k	-	2.5 Year Variable-rate Coverdell ESA
0.50%	$2k	-	2.5 Year Variable-rate SEP IRA
0.45%	$2k	-	1 Year Fixed-rate IRA
0.45%	$2k	-	1 Year Fixed-rate Roth IRA
0.45%	$2k	-	1 Year Fixed-rate Coverdell ESA
0.45%	$2k	-	1 Year Fixed-rate SEP IRA
0.30%	$2k	-	270-364 Day Fixed-rate IRA
0.30%	$2k	-	270-364 Day Fixed-rate Roth IRA
0.30%	$2k	-	270-364 Day Fixed-rate Coverdell ESA
0.30%	$2k	-	270-364 Day Fixed-rate SEP IRA
0.20%	$2k	-	32-59 Day Fixed-rate IRA
0.20%	$2k	-	60-89 Day Fixed-rate IRA
0.20%	$2k	-	90-179 Day Fixed-rate IRA
0.20%	$2k	-	180-269 Day Fixed-rate IRA
0.20%	$2k	-	1 Year Variable-rate IRA
0.20%	$2k	-	32-59 Day Fixed-rate Roth IRA
0.20%	$2k	-	60-89 Day Fixed-rate Roth IRA
0.20%	$2k	-	90-179 Day Fixed-rate Roth IRA
0.20%	$2k	-	180-269 Day Fixed-rate Roth IRA
0.20%	$2k	-	1 Year Variable-rate Roth IRA
0.20%	$2k	-	32-59 Day Fixed-rate Coverdell ESA
0.20%	$2k	-	60-89 Day Fixed-rate Coverdell ESA
0.20%	$2k	-	90-179 Day Fixed-rate Coverdell ESA
0.20%	$2k	-	180-269 Day Fixed-rate Coverdell ESA
0.20%	$2k	-	1 Year Variable-rate Coverdell ESA
0.20%	$2k	-	32-59 Day Fixed-rate SEP IRA
0.20%	$2k	-	60-89 Day Fixed-rate SEP IRA
0.20%	$2k	-	90-179 Day Fixed-rate SEP IRA
0.20%	$2k	-	180-269 Day Fixed-rate SEP IRA
0.20%	$2k	-	1 Year Variable-rate SEP IRA
0.10%	$2k	-	7-31 Day Fixed-rate IRA
0.10%	$2k	-	7-31 Day Fixed-rate Roth IRA
0.10%	$2k	-	7-31 Day Fixed-rate Coverdell ESA
0.10%	$2k	-	7-31 Day Fixed-rate SEP IRA

Rates updated: 5/20/2012

Data for Q4 2011

Institution Statistics

Alaska Pacific Bank
OTS #	04202
FDIC Certificate #	29849
BankRate Report	View
Year Established	1936
Employees	59
Primary Regulator	OCC
Assets and Liabilities
Assets	$171.39 million
Loans	$146.86 million
Deposits	$147.37 million
Equity Capital	$20.46 million
Loan Loss Allowance	$1.87 million
Unbacked Noncurrent Loans	$2.65 million
Real Estate Owned	$880,000
Historic Data - December 2010
Assets	$173.86 million
Equity Capital	$19.63 million
Loan Loss Allowance	$1.27 million
Unbacked Noncurrent Loans	$405,000
Real Estate Owned	$1.77 million
Profit Margin - Quarterly
Net Interest Margin	4.95%
Return on Assets	0.66%
Return on Equity	5.65%
Interest Income	$8.66 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 December 31, 2011 Alaska Pacific Bank had $3.52 million in non-current loans and owned real-estate with $22.32 million in equity and loan loss allowances on hand to cover it. This gives Alaska Pacific Bank a Texas Ratio of 15.79% 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 Alaska Pacific Bank increased slightly from 10.43% as of December 31, 2010 to 15.79% as of December 31, 2011, resulting in a negative change of 51.46%. This indicates that the balance sheet and financial strength for Alaska Pacific Bank has declined slightly in recent periods.
Deposit Growth
In the past year, Alaska Pacific Bank has decreased its total deposits by $-704,000, resulting in -0.48% 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 Alaska Pacific Bank has shown is 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. Alaska Pacific Bank has $171.39 million in assets with $22.32 million in equity, resulting in a capitalization level of 13.02%, which is excellent.

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