Pacific West Bank

2040 8th Avenue
West Linn, OR 97068
www.bankpacificwest.com

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Pacific West Bank is headquartered in West Linn and is the 33^rd largest bank in the state of Oregon. It is also the 6,163^rd largest bank in the nation. It was established in 2004 and as of March of 2012, it had grown to 16 employees at 2 locations. Pacific West Bank has a 2-star health rating.

Pacific West Bank Routing Number: 123206943

3.00% 13-Month CD at Pacific West Bank in Oregon - Local Only - 4/15/2009

Pacific West Bank is offering a special 3.00% APY 13-month CD. Minimum deposit is $5,000. The special is listed on the bank's front page. It's scheduled to last only through Friday, April 17, 2009.The bank also has some competitive standard CD rates. The...

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

Pacific West Bank Checking Account Rates

	Apy	Min	Max	Product
	0.65%	$240k	-	Community PLUS Checking Account (Personal and Business Checking with Interest)

Pacific West Bank Savings Account Rates

	Apy	Min	Max	Product
	0.40%	$1k	-	Community GROWTH Savings Account (Personal ande Business Savings)

Pacific West Bank Money Market Rates

	Apy	Min	Max	Product
	0.90%	$240k	-	Community GROWTH Money Market Account (Personal and Business Money Market)

Pacific West Bank CD Rates

Apy	Min	Max	Product
2.15%	$1k	$95k	60 Month Community GROWTH CD
1.90%	$1k	$95k	48 Month Community GROWTH CD
1.65%	$1k	$95k	36 Month Community GROWTH CD
1.45%	$1k	$95k	30 Month Community GROWTH CD
1.30%	$1k	$95k	24 Month Community GROWTH CD
1.15%	$1k	$95k	18 Month Community GROWTH CD
0.90%	$1k	$95k	12 Month Community GROWTH CD
0.80%	$1k	$95k	9 Month Community GROWTH CD
0.70%	$1k	$95k	6 Month Community GROWTH CD
0.50%	$1k	$95k	3 Month Community GROWTH CD

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

Pacific West Bank
FDIC Certificate #	57872
BankRate Report	View
Year Established	2004
Employees	16
Primary Regulator	FDIC
Assets and Liabilities
Assets	$56.76 million
Loans	$34.17 million
Deposits	$51.08 million
Equity Capital	$2.80 million
Loan Loss Allowance	$1.16 million
Unbacked Noncurrent Loans	$722,000
Real Estate Owned	$523,000
Historic Data - March 2011
Assets	$63.45 million
Equity Capital	$3.24 million
Loan Loss Allowance	$1.44 million
Unbacked Noncurrent Loans	$1.16 million
Real Estate Owned	$3.74 million
Profit Margin - Quarterly
Net Interest Margin	3.82%
Return on Assets	-0.56%
Return on Equity	-11.27%
Interest Income	$600,000

Institution Health

Overall Score:

2 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 Pacific West Bank had $1.25 million in non-current loans and owned real-estate with $3.96 million in equity and loan loss allowances on hand to cover it. This gives Pacific West Bank a Texas Ratio of 31.46% 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 Pacific West Bank decreased significantly from 104.88% as of March 31, 2011 to 31.46% as of March 31, 2012, resulting in a positive change of 70.00%.This indicates that the balance sheet and financial strength for Pacific West Bank has improved significantly in recent periods.
Deposit Growth
In the past year, Pacific West Bank has decreased its total deposits by -$3.44 million, resulting in -6.3% 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 West Bank has shown is poor.
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 West Bank has $56.76 million in assets with $3.96 million in equity, resulting in a capitalization level of 6.97%, which is below average.