Lewis & Clark Bank

Lewis & Clark Bank is headquartered in Oregon City and is the 24^th largest bank in the state of Oregon. It is also the 4,357^th largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 20 employees at 1 location. Lewis & Clark Bank has a 4-star health rating.

Lewis & Clark Bank Routing Number: 123206972

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Data for Q1 2012

Institution Statistics Lewis & Clark Bank FDIC Certificate # 58428 BankRate Report View Year Established 2006 Employees 20 Primary Regulator FDIC Assets and Liabilities Assets $124.76 million Loans $82.80 million Deposits $109.42 million Equity Capital $13.64 million Loan Loss Allowance $1.70 million Unbacked Noncurrent Loans $2.38 million Real Estate Owned $2.18 million Historic Data - March 2011 Assets $122.68 million Equity Capital $12.99 million Loan Loss Allowance $1.71 million Unbacked Noncurrent Loans $3.30 million Real Estate Owned $2.80 million Profit Margin - Quarterly Net Interest Margin 4.08% Return on Assets 0.28% Return on Equity 2.53% Interest Income $1.48 million

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 Lewis & Clark Bank had $4.56 million in non-current loans and owned real-estate with $15.34 million in equity and loan loss allowances on hand to cover it. This gives Lewis & Clark Bank a Texas Ratio of 29.74% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Lewis & Clark Bank decreased slightly from 41.42% as of March 31, 2011 to 29.74% as of March 31, 2012, resulting in a positive change of 28.19%.This indicates that the balance sheet and financial strength for Lewis & Clark Bank has improved slightly in recent periods. Deposit Growth In the past year, Lewis & Clark Bank has increased its total deposits by $85,000, resulting in 0.08% 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 Lewis & Clark 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. Lewis & Clark Bank has $124.76 million in assets with $15.34 million in equity, resulting in a capitalization level of 12.30%, which is excellent.

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