Bank of the Cascades

Bank of the Cascades is headquartered in Bend and is the 4^th largest bank in the state of Oregon. It is also the 490^th largest bank in the nation. It was established in 1977 and as of December of 2011, it had grown to 436 employees at 35 locations. Bank of the Cascades has a 4-star health rating.

Bank of the Cascades Routing Number: 123206024

Data for Q4 2011

Institution Statistics Bank of the Cascades FDIC Certificate # 22407 BankRate Report View Year Established 1977 Employees 436 Primary Regulator FDIC Assets and Liabilities Assets $1.33 billion Loans $863.36 million Deposits $1.09 billion Equity Capital $163.75 million Loan Loss Allowance $34.21 million Unbacked Noncurrent Loans $7.51 million Real Estate Owned $21.96 million Historic Data - December 2010 Assets $1.72 billion Equity Capital $81.46 million Loan Loss Allowance $46.67 million Unbacked Noncurrent Loans $78.66 million Real Estate Owned $39.54 million Profit Margin - Quarterly Net Interest Margin 4.1% Return on Assets -4.54% Return on Equity -39.01% Interest Income $67.10 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 the Cascades had $29.47 million in non-current loans and owned real-estate with $197.96 million in equity and loan loss allowances on hand to cover it. This gives Bank of the Cascades a Texas Ratio of 14.89% 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 the Cascades decreased significantly from 92.80% as of December 31, 2010 to 14.89% as of December 31, 2011, resulting in a positive change of 83.96%.This indicates that the balance sheet and financial strength for Bank of the Cascades has improved significantly in recent periods. Deposit Growth In the past year, Bank of the Cascades has decreased its total deposits by -$289.92 million, resulting in -21.05% 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 the Cascades 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. Bank of the Cascades has $1.33 billion in assets with $197.96 million in equity, resulting in a capitalization level of 14.83%, which is excellent.

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