CLATSOP COMMUNITY BANK

CLATSOP COMMUNITY BANK is headquartered in Seaside and is the 32^nd largest bank in the state of Oregon. It is also the 6,106^th largest bank in the nation. It was established in 2008 and as of March of 2012, it had grown to 17 employees at 2 locations. CLATSOP COMMUNITY BANK has a 5-star health rating.

CLATSOP COMMUNITY BANK Routing Number: 123206998

Data for Q1 2012

Institution Statistics Clatsop Community Bank FDIC Certificate # 58660 BankRate Report View Year Established 2008 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $58.67 million Loans $34.51 million Deposits $49.86 million Equity Capital $7.11 million Loan Loss Allowance $648,000 Unbacked Noncurrent Loans $200,000 Historic Data - March 2011 Assets $49.09 million Equity Capital $6.80 million Loan Loss Allowance $650,000 Unbacked Noncurrent Loans $330,000 Profit Margin - Quarterly Net Interest Margin 4.26% Return on Assets 0.19% Return on Equity 1.53% Interest Income $636,000

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 March 31, 2012 CLATSOP COMMUNITY BANK had $200,000 in non-current loans and owned real-estate with $7.76 million in equity and loan loss allowances on hand to cover it. This gives CLATSOP COMMUNITY BANK a Texas Ratio of 2.58% 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 CLATSOP COMMUNITY BANK decreased significantly from 4.43% as of March 31, 2011 to 2.58% as of March 31, 2012, resulting in a positive change of 41.78%.This indicates that the balance sheet and financial strength for CLATSOP COMMUNITY BANK has improved significantly in recent periods. Deposit Growth In the past year, CLATSOP COMMUNITY BANK has increased its total deposits by $9.67 million, resulting in 24.06% 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 CLATSOP COMMUNITY BANK 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. CLATSOP COMMUNITY BANK has $58.67 million in assets with $7.76 million in equity, resulting in a capitalization level of 13.22%, which is excellent.

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