BMW Bank of North America

BMW Bank of North America is headquartered in Salt Lake City and is the 10^st largest bank in the state of Utah. It is also the 118^st largest bank in the nation. It was established in 1999 and as of December of 2011, it had grown to 35 employees at 1 location. BMW Bank of North America has a 5-star health rating.

BMW Bank of North America Routing Number: 124084708

Data for Q4 2011

Institution Statistics BMW Bank of North America FDIC Certificate # 35141 BankRate Report View Year Established 1999 Employees 35 Primary Regulator FDIC Assets and Liabilities Assets $9.02 billion Loans $6.65 billion Deposits $6.19 billion Equity Capital $999.61 million Loan Loss Allowance $35.64 million Unbacked Noncurrent Loans $11.27 million Historic Data - December 2010 Assets $9.24 billion Equity Capital $876.15 million Loan Loss Allowance $52.78 million Unbacked Noncurrent Loans $14.89 million Profit Margin - Quarterly Net Interest Margin 4.79% Return on Assets 2.63% Return on Equity 24.67% Interest Income $618.40 million

Institution Health Overall Score: 5 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 BMW Bank of North America had $11.27 million in non-current loans and owned real-estate with $1.04 billion in equity and loan loss allowances on hand to cover it. This gives BMW Bank of North America a Texas Ratio of 1.09% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for BMW Bank of North America decreased slightly from 1.60% as of December 31, 2010 to 1.09% as of December 31, 2011, resulting in a positive change of 32.11%.This indicates that the balance sheet and financial strength for BMW Bank of North America has improved slightly in recent periods. Deposit Growth In the past year, BMW Bank of North America has increased its total deposits by $186.97 million, resulting in 3.12% 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 BMW Bank of North America 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. BMW Bank of North America has $9.02 billion in assets with $1.04 billion in equity, resulting in a capitalization level of 11.47%, which is above average.

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