North Cascades National Bank

220 North Johnson Street
Chelan, WA 98816
509.682.4502
www.ncnbank.com

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North Cascades National Bank is headquartered in Chelan and is the 28^th largest bank in the state of Washington. It is also the 1,987^th largest bank in the nation. It was established in 1986 and as of March of 2012, it had grown to 94 employees at 9 locations. North Cascades National Bank has a 3-star health rating.

North Cascades National Bank Routing Number: 125107998

2.02% 6-Month CD & 2.07% 9-Month CD at North Cascades National Bank in Washington State - Local Only - 9/29/2009

North Cascades National Bank has some competitive short-term CD rates. The most competitive include a 2.02% APY for 3- and 6-month terms and a 2.07% APY for a 9-month term. Minimum deposit is $50,000. Slightly lower rates are available for a $10,000 and...

4.44% 60-Month / 4.18% 36-Month CD at a Washington State Bank (North Cascades National Bank) - 2/26/2008

Update 3/22/08: The 60-month CD yield has fallen to 4.44% APY and the 36-month CD yield has fallen to 4.18% APY for a $10K minimum deposit. The title has been modified to reflect these changes. Please see bank's website for the latest rates. North...

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See Rates for: Checking | Savings | Money Market | CD | IRA

North Cascades National Bank Checking Account Rates

Apy	Min	Max	Product
0.10%	$25k	-	Interest Checking
0.10%	$25k	-	Free 50 Checking
0.10%	-	-	Business Checking With Interest
0.10%	-	-	Business Analysis Checking For Sole Proprietor

North Cascades National Bank Savings Account Rates

Apy	Min	Max	Product
0.15%	$25k	-	Personal Savings
0.15%	$25k	-	Business Savings

North Cascades National Bank Money Market Rates

Apy	Min	Max	Product
0.40%	$50k	-	Investor Gold Money Market
0.40%	$50k	-	Investor Gold Plus Money Market
0.40%	$50k	-	Business Money Market

North Cascades National Bank CD Rates

Apy	Min	Max	Product
1.00%	-	-	5 Year CD
0.55%	$25k	-	3 Year CD
0.45%	$25k	-	2 Year CD
0.40%	$25k	-	18 Month CD
0.35%	$25k	-	1 Year CD
0.25%	$25k	-	9 Month CD
0.20%	$25k	-	6 Month CD
0.15%	$25k	-	90 Day CD
0.15%	-	$100k	Holiday Cash CD
0.15%	-	$100k	6 Month Multiplier CD

North Cascades National Bank IRA Rates

Apy	Min	Max	Product
0.55%	$25k	-	3 Year IRA
0.40%	$25k	-	18 Month IRA
0.35%	$25k	-	1 Year IRA

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

North Cascades National Bank
FDIC Certificate #	26846
BankRate Report	View
Year Established	1986
Employees	94
Primary Regulator	OCC
Assets and Liabilities
Assets	$327.36 million
Loans	$198.48 million
Deposits	$283.18 million
Equity Capital	$39.20 million
Loan Loss Allowance	$3.65 million
Unbacked Noncurrent Loans	$6.94 million
Real Estate Owned	$1.94 million
Historic Data - March 2011
Assets	$327.53 million
Equity Capital	$35.13 million
Loan Loss Allowance	$3.94 million
Unbacked Noncurrent Loans	$6.42 million
Real Estate Owned	$2.87 million
Profit Margin - Quarterly
Net Interest Margin	4.39%
Return on Assets	0.86%
Return on Equity	7.26%
Interest Income	$3.50 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 March 31, 2012 North Cascades National Bank had $8.87 million in non-current loans and owned real-estate with $42.85 million in equity and loan loss allowances on hand to cover it. This gives North Cascades National Bank a Texas Ratio of 20.71% 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 North Cascades National Bank held steady from 23.77% as of March 31, 2011 to 20.71% as of March 31, 2012, resulting in a positive change of 12.87%.This indicates that the balance sheet and financial strength for North Cascades National Bank has held steady in recent periods.
Deposit Growth
In the past year, North Cascades National Bank has decreased its total deposits by -$2.92 million, resulting in -1.02% 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 North Cascades National Bank has shown is below 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. North Cascades National Bank has $327.36 million in assets with $42.85 million in equity, resulting in a capitalization level of 13.09%, which is excellent.