Bank Reale

Bank Reale is headquartered in Pasco and is the 68^th largest bank in the state of Washington. It is also the 6,463^rd largest bank in the nation. It was established in 2006 and as of December of 2011, it had grown to 14 employees at 2 locations. Bank Reale has a 4-star health rating.

Bank Reale Routing Number: 125108793

Data for Q4 2011

Institution Statistics Bank Reale FDIC Certificate # 58183 BankRate Report View Year Established 2006 Employees 14 Primary Regulator FDIC Assets and Liabilities Assets $47.09 million Loans $36.89 million Deposits $42.95 million Equity Capital $3.96 million Loan Loss Allowance $395,000 Unbacked Noncurrent Loans $70,000 Real Estate Owned $401,000 Historic Data - December 2010 Assets $42.28 million Equity Capital $3.71 million Loan Loss Allowance $569,000 Unbacked Noncurrent Loans $1.00 million Real Estate Owned $348,000 Profit Margin - Quarterly Net Interest Margin 4.23% Return on Assets 0.12% Return on Equity 1.42% Interest Income $2.33 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 Reale had $471,000 in non-current loans and owned real-estate with $4.35 million in equity and loan loss allowances on hand to cover it. This gives Bank Reale a Texas Ratio of 10.82% 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 Reale decreased significantly from 31.59% as of December 31, 2010 to 10.82% as of December 31, 2011, resulting in a positive change of 65.74%.This indicates that the balance sheet and financial strength for Bank Reale has improved significantly in recent periods. Deposit Growth In the past year, Bank Reale has increased its total deposits by $4.55 million, resulting in 11.85% 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 Reale 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. Bank Reale has $47.09 million in assets with $4.35 million in equity, resulting in a capitalization level of 9.24%, which is average.

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