First Mountain Bank

First Mountain Bank is headquartered in Big Bear Lake and is the 180^th largest bank in the state of California. It is also the 4,019^st largest bank in the nation. It was established in 1981 and as of December of 2012, it had grown to 43 employees at 4 locations. First Mountain Bank has a 2-star health rating.

First Mountain Bank Routing Number: 122238721

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Data for Q4 2012

Institution Statistics First Mountain Bank FDIC Certificate # 23544 BankRate Report View Year Established 1981 Employees 43 Primary Regulator FDIC Assets and Liabilities Assets $138.51 million Loans $90.74 million Deposits $125.92 million Equity Capital $11.58 million Loan Loss Allowance $2.86 million Unbacked Noncurrent Loans $15.70 million Real Estate Owned $492,000 Historic Data - December 2011 Assets $140.15 million Equity Capital $14.41 million Loan Loss Allowance $2.45 million Unbacked Noncurrent Loans $11.88 million Real Estate Owned $1.69 million Profit Margin - Quarterly Net Interest Margin 4.65% Return on Assets -2.04% Return on Equity -20.61% Interest Income $6.15 million

Institution Health Overall Score: 2 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 December 31, 2012 First Mountain Bank had $16.19 million in non-current loans and owned real-estate with $14.44 million in equity and loan loss allowances on hand to cover it. This gives First Mountain Bank a Texas Ratio of 112.10% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Mountain Bank increased slightly from 80.46% as of December 31, 2011 to 112.10% as of December 31, 2012, resulting in a negative change of 39.33%. This indicates that the balance sheet and financial strength for First Mountain Bank has declined slightly in recent periods. Deposit Growth In the past year, First Mountain Bank has increased its total deposits by $1.11 million, resulting in 0.89% 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 First Mountain Bank has shown is 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. First Mountain Bank has $138.51 million in assets with $14.44 million in equity, resulting in a capitalization level of 10.43%, which is above average.

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