Anchor Bank

100 West First Street
Aberdeen, WA 98520
800-562-9744
www.anchorsb.com

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Anchor Bank is headquartered in Aberdeen and is the 24^th largest bank in the state of Washington. It is also the 1,376^th largest bank in the nation. It was established in 1907 and as of December of 2011, it had grown to 144 employees at 13 locations. Anchor Bank has a 4-star health rating.

Anchor Bank Routing Number: 325170628

Top 8-Year CD Rate at Anchor Mutual Savings Bank - Washington State Only - 10/14/2010

Anchor Bank is offering a 3.05% APY 8-year CD and IRA CD. Minimum deposit is $500. This rate is listed in the bank's rates page as of 10/14/2010. This isn't as good as PenFed's 3.49% 7-year CD ( see r ...

1.90% APY 24-Month CD With BUMP At Anchor Bank - WA (Forum) - 7/7/2010

Anchor Bank in Washington State is offering a 1.90% APY certificate for 24 months, with a one-time rate bump. Minimum deposit: $2000. Rate sheet: http://www.anchornetbank.com/home/personal/rates

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

Anchor Bank Checking Account Rates

Apy	Min	Max	Product
0.45%	$200	-	Commercial
0.40%	$10k	-	Sole Proprietor Tiered Rates
0.40%	$10k	-	Non-Profit Organizations Tiered Rates
0.25%	$1k	-	Interest Checking

Anchor Bank Savings Account Rates

Apy	Min	Max	Product
0.50%	$15k	-	Health Savings Account
0.45%	$100	-	Statement Savings
0.45%	-	-	Youth Savings

Anchor Bank Money Market Rates

Apy	Min	Max	Product
0.55%	$75k	-	Trade Wind Money Market Tiered Rates
0.55%	$100k	-	Navigator Money Market
0.40%	$50k	-	Golden Money Market Tiered Rates

Anchor Bank CD Rates

Apy	Min	Max	Product
1.61%	$500	-	96 Month Fixed CD
1.51%	$500	-	60 Month Fixed CD
1.11%	$500	-	48 Month Fixed CD
0.90%	$500	-	36 Month Fixed CD
0.75%	$500	-	30 Month Fixed CD
0.65%	$500	-	20 Month Advantage CD
0.55%	$2k	-	24 Month Bump Fixed CD
0.50%	$500	-	11 Month Advantage CD
0.50%	$500	-	13 Month Fixed CD
0.50%	$25k	-	24 Month Ladder CD
0.45%	$500	-	18 Month Fixed CD
0.45%	$25k	-	18 Month Ladder CD
0.40%	$50k	-	12 Month Tiered Fixed CD
0.40%	$25k	-	12 Month Ladder CD
0.37%	$500	-	16 Month Flex CD
0.35%	$250	-	12 Month Multi-Dep Fixed CD
0.35%	$25k	-	6 Month Ladder CD
0.25%	$500	-	6 Month Fixed CD
0.25%	$500	-	9 Month Fixed CD

Anchor Bank IRA Rates

Apy	Min	Max	Product
1.66%	$100	-	96 Month Fixed IRA
1.36%	$100	-	48 Month Fixed IRA
1.11%	$100	-	30 Month Fixed IRA
0.70%	$50	-	24 Month Fixed IRA
0.66%	$50	-	18 Month Adjustable IRA
0.45%	$50	-	18 Month Fixed IRA

Rates updated: 5/21/2012

Data for Q4 2011

Institution Statistics

Anchor Bank
FDIC Certificate #	28454
BankRate Report	View
Year Established	1907
Employees	144
Primary Regulator	FDIC
Assets and Liabilities
Assets	$486.53 million
Loans	$308.63 million
Deposits	$352.16 million
Equity Capital	$53.37 million
Loan Loss Allowance	$6.47 million
Unbacked Noncurrent Loans	$12.90 million
Real Estate Owned	$8.18 million
Historic Data - December 2010
Assets	$496.17 million
Equity Capital	$43.37 million
Loan Loss Allowance	$7.10 million
Unbacked Noncurrent Loans	$15.96 million
Real Estate Owned	$16.49 million
Profit Margin - Quarterly
Net Interest Margin	4.03%
Return on Assets	-1.88%
Return on Equity	-17.5%
Interest Income	$24.16 million

Institution Health

Overall Score:

4 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 Anchor Bank had $21.07 million in non-current loans and owned real-estate with $59.84 million in equity and loan loss allowances on hand to cover it. This gives Anchor Bank a Texas Ratio of 35.22% 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 Anchor Bank decreased significantly from 64.30% as of December 31, 2010 to 35.22% as of December 31, 2011, resulting in a positive change of 45.23%.This indicates that the balance sheet and financial strength for Anchor Bank has improved significantly in recent periods.
Deposit Growth
In the past year, Anchor Bank has increased its total deposits by $7.74 million, resulting in 2.25% 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 Anchor Bank has shown is above 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. Anchor Bank has $486.53 million in assets with $59.84 million in equity, resulting in a capitalization level of 12.30%, which is excellent.