Albina Community Bank

Albina Community Bank is headquartered in Portland and is the 22^nd largest bank in the state of Oregon. It is also the 4,226^th largest bank in the nation. It was established in 1995 and as of December of 2011, it had grown to 37 employees at 5 locations. Albina Community Bank has a 2-star health rating.

Albina Community Bank Routing Number: 123006651

Data for Q4 2011

Institution Statistics Albina Community Bank FDIC Certificate # 34106 BankRate Report View Year Established 1995 Employees 37 Primary Regulator FDIC Assets and Liabilities Assets $129.69 million Loans $90.33 million Deposits $120.02 million Equity Capital $5.70 million Loan Loss Allowance $2.91 million Unbacked Noncurrent Loans $4.61 million Real Estate Owned $795,000 Historic Data - December 2010 Assets $144.11 million Equity Capital $5.09 million Loan Loss Allowance $3.30 million Unbacked Noncurrent Loans $6.81 million Real Estate Owned $1.55 million Profit Margin - Quarterly Net Interest Margin 4.73% Return on Assets 0.58% Return on Equity 14.48% Interest Income $7.00 million

Institution Health Overall Score: 2 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 Albina Community Bank had $5.4 million in non-current loans and owned real-estate with $8.61 million in equity and loan loss allowances on hand to cover it. This gives Albina Community Bank a Texas Ratio of 62.76% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Albina Community Bank decreased slightly from 99.67% as of December 31, 2010 to 62.76% as of December 31, 2011, resulting in a positive change of 37.03%.This indicates that the balance sheet and financial strength for Albina Community Bank has improved slightly in recent periods. Deposit Growth In the past year, Albina Community Bank has decreased its total deposits by -$9.81 million, resulting in -7.55% 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 Albina Community 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. Albina Community Bank has $129.69 million in assets with $8.61 million in equity, resulting in a capitalization level of 6.64%, which is below average.

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