High Desert Bank

High Desert Bank is headquartered in Bend and is the 34^th largest bank in the state of Oregon. It is also the 6,915^st largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 6 employees at 1 location. High Desert Bank's money market rates are 14% higher than the national average, and it has a 4-star health rating.

High Desert Bank Routing Number: 123285090

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Data for Q1 2012

Institution Statistics High Desert Bank OTS # 18045 FDIC Certificate # 58594 BankRate Report View Year Established 2007 Employees 6 Primary Regulator OCC Assets and Liabilities Assets $31.35 million Loans $24.31 million Deposits $29.55 million Equity Capital $1.77 million Loan Loss Allowance $957,000 Real Estate Owned $195,000 Historic Data - March 2011 Assets $35.61 million Equity Capital $2.56 million Loan Loss Allowance $1.45 million Unbacked Noncurrent Loans $933,000 Real Estate Owned $246,000 Profit Margin - Quarterly Net Interest Margin 5.05% Return on Assets -3.95% Return on Equity -64.2% Interest Income $404,000

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 High Desert Bank had $195,000 in non-current loans and owned real-estate with $2.72 million in equity and loan loss allowances on hand to cover it. This gives High Desert Bank a Texas Ratio of 7.16% 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 High Desert Bank decreased significantly from 29.44% as of March 31, 2011 to 7.16% as of March 31, 2012, resulting in a positive change of 75.66%.This indicates that the balance sheet and financial strength for High Desert Bank has improved significantly in recent periods. Deposit Growth In the past year, High Desert Bank has decreased its total deposits by -$3.46 million, resulting in -10.48% 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 High Desert 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. High Desert Bank has $31.35 million in assets with $2.72 million in equity, resulting in a capitalization level of 8.68%, which is average.

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