Business Bank

Business Bank is headquartered in Burlington and is the 57^th largest bank in the state of Washington. It is also the 5,246^th largest bank in the nation. It was established in 2005 and as of December of 2011, it had grown to 26 employees at 3 locations. Business Bank has a 2-star health rating.

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Data for Q4 2011

Institution Statistics Business Bank FDIC Certificate # 57978 BankRate Report View Year Established 2005 Employees 26 Primary Regulator FDIC Assets and Liabilities Assets $88.69 million Loans $63.49 million Deposits $73.18 million Equity Capital $5.23 million Loan Loss Allowance $3.04 million Unbacked Noncurrent Loans $4.97 million Real Estate Owned $4.20 million Historic Data - December 2010 Assets $88.58 million Equity Capital $5.46 million Loan Loss Allowance $4.16 million Unbacked Noncurrent Loans $6.60 million Real Estate Owned $4.29 million Profit Margin - Quarterly Net Interest Margin 3.17% Return on Assets -2.48% Return on Equity -37.1% Interest Income $3.43 million

Institution Health Overall Score: 2 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 Business Bank had $9.16 million in non-current loans and owned real-estate with $8.27 million in equity and loan loss allowances on hand to cover it. This gives Business Bank a Texas Ratio of 110.74% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Business Bank held steady from 113.33% as of December 31, 2010 to 110.74% as of December 31, 2011, resulting in a positive change of 2.29%.This indicates that the balance sheet and financial strength for Business Bank has held steady in recent periods. Deposit Growth In the past year, Business Bank has decreased its total deposits by $-527,000, resulting in -0.71% 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 Business Bank has shown is 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. Business Bank has $88.69 million in assets with $8.27 million in equity, resulting in a capitalization level of 9.33%, which is average.

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