Fife Commercial Bank

Fife Commercial Bank is headquartered in Fife and is the 57^th largest bank in the state of Washington. It is also the 5,346^th largest bank in the nation. It was established in 1998 and as of March of 2012, it had grown to 15 employees at 1 location. Fife Commercial Bank has a 5-star health rating.

Fife Commercial Bank Routing Number: 125108476

Data for Q1 2012

Institution Statistics Fife Commercial Bank FDIC Certificate # 34791 BankRate Report View Year Established 1998 Employees 15 Primary Regulator FDIC Assets and Liabilities Assets $85.04 million Loans $59.30 million Deposits $67.56 million Equity Capital $10.39 million Loan Loss Allowance $1.23 million Unbacked Noncurrent Loans $261,000 Real Estate Owned $464,000 Historic Data - March 2011 Assets $83.53 million Equity Capital $9.34 million Loan Loss Allowance $1.00 million Unbacked Noncurrent Loans $1.64 million Real Estate Owned $577,000 Profit Margin - Quarterly Net Interest Margin 4.79% Return on Assets 1.89% Return on Equity 15.84% Interest Income $1.12 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 March 31, 2012 Fife Commercial Bank had $725,000 in non-current loans and owned real-estate with $11.62 million in equity and loan loss allowances on hand to cover it. This gives Fife Commercial Bank a Texas Ratio of 6.24% 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 Fife Commercial Bank decreased significantly from 21.44% as of March 31, 2011 to 6.24% as of March 31, 2012, resulting in a positive change of 70.89%.This indicates that the balance sheet and financial strength for Fife Commercial Bank has improved significantly in recent periods. Deposit Growth In the past year, Fife Commercial Bank has increased its total deposits by $1.25 million, resulting in 1.89% 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 Fife Commercial 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. Fife Commercial Bank has $85.04 million in assets with $11.62 million in equity, resulting in a capitalization level of 13.66%, which is excellent.

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