Inland Northwest Bank

Inland Northwest Bank is headquartered in Spokane and is the 25^th largest bank in the state of Washington. It is also the 1,672^nd largest bank in the nation. It was established in 1989 and as of September of 2011, it had grown to 113 employees at 11 locations. Inland Northwest Bank's savings rates are 2X the national average, and it has a 3-star health rating.

Inland Northwest Bank Routing Number: 125108104

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Data for Q3 2011

Institution Statistics Inland Northwest Bank FDIC Certificate # 27601 BankRate Report View Year Established 1989 Employees 113 Primary Regulator FDIC Assets and Liabilities Assets $392.37 million Loans $265.32 million Deposits $339.91 million Equity Capital $41.27 million Loan Loss Allowance $6.55 million Unbacked Noncurrent Loans $11.74 million Real Estate Owned $2.87 million Historic Data - September 2010 Assets $389.30 million Equity Capital $40.67 million Loan Loss Allowance $7.43 million Unbacked Noncurrent Loans $11.33 million Real Estate Owned $4.01 million Profit Margin - Quarterly Net Interest Margin 4.6% Return on Assets 0.02% Return on Equity 0.22% Interest Income $15.38 million

Institution Health Overall Score: 3 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 Inland Northwest Bank had $14.61 million in non-current loans and owned real-estate with $47.82 million in equity and loan loss allowances on hand to cover it. This gives Inland Northwest Bank a Texas Ratio of 30.54% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Inland Northwest Bank held steady from 32.25% as of September 30, 2010 to 30.54% as of September 30, 2011, resulting in a positive change of 5.29%.This indicates that the balance sheet and financial strength for Inland Northwest Bank has held steady in recent periods. Deposit Growth In the past year, Inland Northwest Bank has increased its total deposits by $1.4 million, resulting in 0.41% 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 Inland Northwest 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. Inland Northwest Bank has $392.37 million in assets with $47.82 million in equity, resulting in a capitalization level of 12.19%, which is excellent.

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