Oregon Coast Bank

Oregon Coast Bank is headquartered in Newport and is the 18^st largest bank in the state of Oregon. It is also the 3,547^th largest bank in the nation. It was established in 2002 and as of March of 2012, it had grown to 40 employees at 5 locations. Oregon Coast Bank's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

Oregon Coast Bank Routing Number: 123206875

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Data for Q1 2012

Institution Statistics Oregon Coast Bank FDIC Certificate # 57373 BankRate Report View Year Established 2002 Employees 40 Primary Regulator FDIC Assets and Liabilities Assets $169.02 million Loans $69.88 million Deposits $150.89 million Equity Capital $17.62 million Loan Loss Allowance $1.43 million Unbacked Noncurrent Loans $133,000 Real Estate Owned $1.27 million Historic Data - March 2011 Assets $151.65 million Equity Capital $13.69 million Loan Loss Allowance $1.33 million Unbacked Noncurrent Loans $2.37 million Real Estate Owned $1.39 million Profit Margin - Quarterly Net Interest Margin 4.17% Return on Assets 1.37% Return on Equity 13.47% Interest Income $1.80 million

Institution Health Overall Score: 5 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 Oregon Coast Bank had $1.4 million in non-current loans and owned real-estate with $19.04 million in equity and loan loss allowances on hand to cover it. This gives Oregon Coast Bank a Texas Ratio of 7.38% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Oregon Coast Bank decreased significantly from 25.07% as of March 31, 2011 to 7.38% as of March 31, 2012, resulting in a positive change of 70.58%.This indicates that the balance sheet and financial strength for Oregon Coast Bank has improved significantly in recent periods. Deposit Growth In the past year, Oregon Coast Bank has increased its total deposits by $14.53 million, resulting in 10.66% 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 Oregon Coast 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. Oregon Coast Bank has $169.02 million in assets with $19.04 million in equity, resulting in a capitalization level of 11.27%, which is above average.

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