Bank of Eastern Oregon

Bank of Eastern Oregon is headquartered in Heppner and is the 15^st largest bank in the state of Oregon. It is also the 2,456^th largest bank in the nation. It was established in 1945 and as of December of 2011, it had grown to 100 employees at 12 locations. Bank of Eastern Oregon has a 4-star health rating.

Bank of Eastern Oregon Routing Number: 123203535

Data for Q4 2011

Institution Statistics Bank of Eastern Oregon FDIC Certificate # 16243 BankRate Report View Year Established 1945 Employees 100 Primary Regulator FDIC Assets and Liabilities Assets $260.35 million Loans $199.91 million Deposits $230.51 million Equity Capital $28.47 million Loan Loss Allowance $2.59 million Unbacked Noncurrent Loans $2.07 million Real Estate Owned $1.47 million Historic Data - December 2010 Assets $251.55 million Equity Capital $26.27 million Loan Loss Allowance $2.98 million Unbacked Noncurrent Loans $2.50 million Real Estate Owned $984,000 Profit Margin - Quarterly Net Interest Margin 5.47% Return on Assets 0.91% Return on Equity 8.41% Interest Income $13.61 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 Bank of Eastern Oregon had $3.54 million in non-current loans and owned real-estate with $31.06 million in equity and loan loss allowances on hand to cover it. This gives Bank of Eastern Oregon a Texas Ratio of 11.39% 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 Bank of Eastern Oregon held steady from 8.59% as of December 31, 2010 to 11.39% as of December 31, 2011, resulting in a negative change of 32.54%. This indicates that the balance sheet and financial strength for Bank of Eastern Oregon has held steady in recent periods. Deposit Growth In the past year, Bank of Eastern Oregon has increased its total deposits by $6.57 million, resulting in 2.94% 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 Bank of Eastern Oregon 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. Bank of Eastern Oregon has $260.35 million in assets with $31.06 million in equity, resulting in a capitalization level of 11.93%, which is above average.

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