Clackamas County Bank

Clackamas County Bank is headquartered in Sandy and is the 20^th largest bank in the state of Oregon. It is also the 3,717^st largest bank in the nation. It was established in 1911 and as of March of 2012, it had grown to 53 employees at 4 locations. Clackamas County Bank has a 4-star health rating.

Clackamas County Bank Routing Number: 123202183

Data for Q1 2012

Institution Statistics Clackamas County Bank FDIC Certificate # 9486 BankRate Report View Year Established 1911 Employees 53 Primary Regulator FDIC Assets and Liabilities Assets $158.77 million Loans $85.66 million Deposits $126.26 million Equity Capital $23.16 million Loan Loss Allowance $1.92 million Unbacked Noncurrent Loans $3.22 million Real Estate Owned $3.30 million Historic Data - March 2011 Assets $156.22 million Equity Capital $23.18 million Loan Loss Allowance $1.62 million Unbacked Noncurrent Loans $2.40 million Real Estate Owned $3.00 million Profit Margin - Quarterly Net Interest Margin 4.08% Return on Assets 0.59% Return on Equity 4.1% Interest Income $1.73 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 March 31, 2012 Clackamas County Bank had $6.52 million in non-current loans and owned real-estate with $25.08 million in equity and loan loss allowances on hand to cover it. This gives Clackamas County Bank a Texas Ratio of 25.99% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Clackamas County Bank held steady from 21.78% as of March 31, 2011 to 25.99% as of March 31, 2012, resulting in a negative change of 19.32%. This indicates that the balance sheet and financial strength for Clackamas County Bank has held steady in recent periods. Deposit Growth In the past year, Clackamas County Bank has increased its total deposits by $3.1 million, resulting in 2.51% 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 Clackamas County Bank 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. Clackamas County Bank has $158.77 million in assets with $25.08 million in equity, resulting in a capitalization level of 15.80%, which is excellent.

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