Northwest Commercial Bank

Northwest Commercial Bank is headquartered in Lakewood and is the 60^th largest bank in the state of Washington. It is also the 5,623^rd largest bank in the nation. It was established in 2002 and as of September of 2011, it had grown to 19 employees at 2 locations. Northwest Commercial Bank has a 3-star health rating.

Northwest Commercial Bank Routing Number: 125108683

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Data for Q3 2011

Institution Statistics Northwest Commercial Bank FDIC Certificate # 57191 BankRate Report View Year Established 2002 Employees 19 Primary Regulator FDIC Assets and Liabilities Assets $76.31 million Loans $57.78 million Deposits $67.29 million Equity Capital $8.43 million Loan Loss Allowance $1.31 million Unbacked Noncurrent Loans $4.63 million Real Estate Owned $1.42 million Historic Data - September 2010 Assets $74.54 million Equity Capital $9.33 million Loan Loss Allowance $1.42 million Unbacked Noncurrent Loans $627,000 Real Estate Owned $219,000 Profit Margin - Quarterly Net Interest Margin 4.24% Return on Assets -0.19% Return on Equity -1.69% Interest Income $2.86 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 Northwest Commercial Bank had $6.05 million in non-current loans and owned real-estate with $9.73 million in equity and loan loss allowances on hand to cover it. This gives Northwest Commercial Bank a Texas Ratio of 62.17% 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 Northwest Commercial Bank increased slightly from 7.87% as of September 30, 2010 to 62.17% as of September 30, 2011, resulting in a negative change of 689.89%. This indicates that the balance sheet and financial strength for Northwest Commercial Bank has declined slightly in recent periods. Deposit Growth In the past year, Northwest Commercial Bank has increased its total deposits by $4.62 million, resulting in 7.38% 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 Northwest Commercial 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. Northwest Commercial Bank has $76.31 million in assets with $9.73 million in equity, resulting in a capitalization level of 12.75%, which is excellent.

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