Baker-Boyer National Bank

Baker-Boyer National Bank is headquartered in Walla Walla and is the 23^rd largest bank in the state of Washington. It is also the 1,341^st largest bank in the nation. It was established in 1869 and as of December of 2011, it had grown to 170 employees at 9 locations. Baker-Boyer National Bank has a 4-star health rating.

Data for Q4 2011

Institution Statistics Baker-Boyer National Bank FDIC Certificate # 2987 BankRate Report View Year Established 1869 Employees 170 Primary Regulator OCC Assets and Liabilities Assets $502.02 million Loans $297.74 million Deposits $437.16 million Equity Capital $41.93 million Loan Loss Allowance $6.27 million Unbacked Noncurrent Loans $4.41 million Real Estate Owned $412,000 Historic Data - December 2010 Assets $466.01 million Equity Capital $38.94 million Loan Loss Allowance $5.82 million Unbacked Noncurrent Loans $4.07 million Profit Margin - Quarterly Net Interest Margin 4.17% Return on Assets 1.25% Return on Equity 14.89% Interest Income $21.12 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 Baker-Boyer National Bank had $4.82 million in non-current loans and owned real-estate with $48.2 million in equity and loan loss allowances on hand to cover it. This gives Baker-Boyer National Bank a Texas Ratio of 10.00% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Baker-Boyer National Bank held steady from 9.10% as of December 31, 2010 to 10.00% as of December 31, 2011, resulting in a negative change of 9.91%. This indicates that the balance sheet and financial strength for Baker-Boyer National Bank has held steady in recent periods. Deposit Growth In the past year, Baker-Boyer National Bank has increased its total deposits by $30.2 million, resulting in 7.42% 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 Baker-Boyer National 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. Baker-Boyer National Bank has $502.02 million in assets with $48.2 million in equity, resulting in a capitalization level of 9.60%, which is average.

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