Commencement Bank

Commencement Bank is headquartered in Tacoma and is the 47^th largest bank in the state of Washington. It is also the 4,276^th largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 22 employees at 1 location. Commencement Bank has a 4-star health rating.

Commencement Bank Routing Number: 125108887

Data for Q1 2012

Institution Statistics Commencement Bank FDIC Certificate # 58446 BankRate Report View Year Established 2006 Employees 22 Primary Regulator FED Assets and Liabilities Assets $128.87 million Loans $104.57 million Deposits $109.01 million Equity Capital $17.55 million Loan Loss Allowance $2.55 million Unbacked Noncurrent Loans $2.09 million Real Estate Owned $3.61 million Historic Data - March 2011 Assets $119.65 million Equity Capital $16.86 million Loan Loss Allowance $2.45 million Unbacked Noncurrent Loans $4.59 million Profit Margin - Quarterly Net Interest Margin 4.01% Return on Assets 0.07% Return on Equity 0.55% Interest Income $1.50 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 Commencement Bank had $5.7 million in non-current loans and owned real-estate with $20.1 million in equity and loan loss allowances on hand to cover it. This gives Commencement Bank a Texas Ratio of 28.33% 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 Commencement Bank held steady from 23.74% as of March 31, 2011 to 28.33% as of March 31, 2012, resulting in a negative change of 19.30%. This indicates that the balance sheet and financial strength for Commencement Bank has held steady in recent periods. Deposit Growth In the past year, Commencement Bank has increased its total deposits by $8.45 million, resulting in 8.4% 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 Commencement 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. Commencement Bank has $128.87 million in assets with $20.1 million in equity, resulting in a capitalization level of 15.60%, which is excellent.

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