Pacific Continental Bank

111 West Seventh Avenue P.O. Box 10727
Eugene, OR 97448
877-231-2265
www.therightbank.com

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Pacific Continental Bank is headquartered in Eugene and is the 6^th largest bank in the state of Oregon. It is also the 529^th largest bank in the nation. It was established in 1972 and as of September of 2011, it had grown to 276 employees at 14 locations. Pacific Continental Bank has a 4-star health rating.

Pacific Continental Bank Routing Number: 123205135

Pacific Continental Rates Drop Again (Forum) - 9/15/2010

Rates at Pacific Continental have dropped twice in the past couple of weeks: on 8/26 and then again on 9/9. These rates apply to both savings and money market accounts. The current rates (APY) are: 1.31% with $250,000, 1.06% with $100,00

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

Pacific Continental Bank Checking Account Rates

Apy	Min	Max	Product
0.05%^†	$100k	-	Interest Checking
0.05%^†	$100k	-	Business Interest Checking

Pacific Continental Bank Savings Account Rates

Apy	Min	Max	Product
0.35%^†	$250k	-	Personal Savings
0.35%^†	$250k	-	Business Savings

Pacific Continental Bank Money Market Rates

Apy	Min	Max	Product
0.35%^†	$250k	-	Money Market - Personal
0.35%^†	$250k	-	Money Market - Business

Pacific Continental Bank CD Rates

Apy	Min	Max	Product
1.05%^†	$100k	-	4+ Year CD
1.05%^†	$100k	-	Business 4+ Year CD
0.80%^†	$100k	-	3 - 4 Year CD
0.80%^†	$100k	-	Business 3 - 4 Year CD
0.55%^†	$100k	-	2 - 3 Year CD
0.55%^†	$100k	-	Business 2 - 3 Year CD
0.40%^†	$100k	-	1 - 2 Year CD
0.40%^†	$100k	-	Business 1 - 2 Year CD
0.25%^†	$100k	-	180 - 364 Day CD
0.25%^†	$100k	-	Business 180 - 364 Day CD
0.10%^†	$75k	-	30 - 89 Day CD
0.10%^†	$75k	-	90 - 179 Day CD
0.10%^†	$75k	-	Business 30 - 89 Day CD
0.10%^†	$75k	-	Business 90 - 179 Day CD

Pacific Continental Bank IRA Rates

Apy	Min	Max	Product
0.25%^†	$75k	-	IRA 30 MONTH TD
0.15%^†	$75k	-	IRA Variable Rate

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

Pacific Continental Bank
FDIC Certificate #	20774
BankRate Report	View
Year Established	1972
Employees	276
Primary Regulator	FDIC
Assets and Liabilities
Assets	$1.25 billion
Loans	$813.60 million
Deposits	$961.61 million
Equity Capital	$180.84 million
Loan Loss Allowance	$15.29 million
Unbacked Noncurrent Loans	$32.82 million
Real Estate Owned	$11.66 million
Historic Data - September 2010
Assets	$1.19 billion
Equity Capital	$171.00 million
Loan Loss Allowance	$17.77 million
Unbacked Noncurrent Loans	$42.27 million
Real Estate Owned	$15.42 million
Profit Margin - Quarterly
Net Interest Margin	4.54%
Return on Assets	0.7%
Return on Equity	4.9%
Interest Income	$44.86 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 September 30, 2011 Pacific Continental Bank had $44.49 million in non-current loans and owned real-estate with $196.12 million in equity and loan loss allowances on hand to cover it. This gives Pacific Continental Bank a Texas Ratio of 22.68% 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 Pacific Continental Bank decreased slightly from 30.66% as of September 30, 2010 to 22.68% as of September 30, 2011, resulting in a positive change of 26.01%.This indicates that the balance sheet and financial strength for Pacific Continental Bank has improved slightly in recent periods.
Deposit Growth
In the past year, Pacific Continental Bank has increased its total deposits by $25.18 million, resulting in 2.69% 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 Pacific Continental Bank has shown is above 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. Pacific Continental Bank has $1.25 billion in assets with $196.12 million in equity, resulting in a capitalization level of 15.66%, which is excellent.

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Pacific Continental Bank

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