Mountain Pacific Bank

Mountain Pacific Bank is headquartered in Everett and is the 52^nd largest bank in the state of Washington. It is also the 4,704^th largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 26 employees at 2 locations. Mountain Pacific Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics Mountain Pacific Bank FDIC Certificate # 58341 BankRate Report View Year Established 2006 Employees 26 Primary Regulator FDIC Assets and Liabilities Assets $110.64 million Loans $74.94 million Deposits $84.54 million Equity Capital $16.54 million Loan Loss Allowance $2.08 million Unbacked Noncurrent Loans $5.75 million Real Estate Owned $7.15 million Historic Data - March 2011 Assets $98.28 million Equity Capital $12.58 million Loan Loss Allowance $2.32 million Unbacked Noncurrent Loans $3.47 million Real Estate Owned $14.18 million Profit Margin - Quarterly Net Interest Margin 3.43% Return on Assets -0.53% Return on Equity -3.62% Interest Income $1.12 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 Mountain Pacific Bank had $12.9 million in non-current loans and owned real-estate with $18.62 million in equity and loan loss allowances on hand to cover it. This gives Mountain Pacific Bank a Texas Ratio of 69.28% 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 Mountain Pacific Bank decreased significantly from 118.45% as of March 31, 2011 to 69.28% as of March 31, 2012, resulting in a positive change of 41.51%.This indicates that the balance sheet and financial strength for Mountain Pacific Bank has improved significantly in recent periods. Deposit Growth In the past year, Mountain Pacific Bank has increased its total deposits by $8.24 million, resulting in 10.8% 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 Mountain Pacific Bank has shown is excellent. 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. Mountain Pacific Bank has $110.64 million in assets with $18.62 million in equity, resulting in a capitalization level of 16.83%, which is excellent.

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