First Independent Bank

First Independent Bank is headquartered in Vancouver and is the 17^st largest bank in the state of Washington. It is also the 838^th largest bank in the nation. It was established in 1910 and as of September of 2011, it had grown to 237 employees at 14 locations. First Independent Bank has a 5-star health rating.

First Independent Bank Routing Number: 123305378

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Data for Q3 2011

Institution Statistics First Independent Bank FDIC Certificate # 1500 BankRate Report View Year Established 1910 Employees 237 Primary Regulator FDIC Assets and Liabilities Assets $791.95 million Loans $459.31 million Deposits $690.91 million Equity Capital $91.58 million Loan Loss Allowance $14.50 million Unbacked Noncurrent Loans $5.27 million Real Estate Owned $714,000 Historic Data - September 2010 Assets $883.14 million Equity Capital $94.02 million Loan Loss Allowance $22.10 million Unbacked Noncurrent Loans $47.20 million Real Estate Owned $11.29 million Profit Margin - Quarterly Net Interest Margin 4.27% Return on Assets 1.58% Return on Equity 14.79% Interest Income $26.02 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 September 30, 2011 First Independent Bank had $5.99 million in non-current loans and owned real-estate with $106.08 million in equity and loan loss allowances on hand to cover it. This gives First Independent Bank a Texas Ratio of 5.64% 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 First Independent Bank decreased significantly from 50.65% as of September 30, 2010 to 5.64% as of September 30, 2011, resulting in a positive change of 88.85%.This indicates that the balance sheet and financial strength for First Independent Bank has improved significantly in recent periods. Deposit Growth In the past year, First Independent Bank has decreased its total deposits by -$46.08 million, resulting in -6.25% 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 First Independent Bank has shown is poor. 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. First Independent Bank has $791.94 million in assets with $106.08 million in equity, resulting in a capitalization level of 13.39%, which is excellent.