State Bank Northwest

State Bank Northwest is headquartered in Spokane Valley and is the 54^th largest bank in the state of Washington. It is also the 5,102^nd largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 23 employees at 3 locations. State Bank Northwest has a 4-star health rating.

Data for Q1 2012

Institution Statistics State Bank Northwest FDIC Certificate # 2945 BankRate Report View Year Established 1902 Employees 23 Primary Regulator FDIC Assets and Liabilities Assets $94.23 million Loans $72.61 million Deposits $82.96 million Equity Capital $11.06 million Loan Loss Allowance $1.09 million Unbacked Noncurrent Loans $1.01 million Real Estate Owned $2.52 million Historic Data - March 2011 Assets $99.78 million Equity Capital $9.91 million Loan Loss Allowance $1.54 million Unbacked Noncurrent Loans $2.14 million Real Estate Owned $3.42 million Profit Margin - Quarterly Net Interest Margin 4.38% Return on Assets 0.72% Return on Equity 6.39% Interest Income $1.19 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 March 31, 2012 State Bank Northwest had $3.52 million in non-current loans and owned real-estate with $12.14 million in equity and loan loss allowances on hand to cover it. This gives State Bank Northwest a Texas Ratio of 28.99% 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 State Bank Northwest decreased significantly from 48.61% as of March 31, 2011 to 28.99% as of March 31, 2012, resulting in a positive change of 40.37%.This indicates that the balance sheet and financial strength for State Bank Northwest has improved significantly in recent periods. Deposit Growth In the past year, State Bank Northwest has decreased its total deposits by -$6.67 million, resulting in -7.44% 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 State Bank Northwest 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. State Bank Northwest has $94.23 million in assets with $12.14 million in equity, resulting in a capitalization level of 12.89%, which is excellent.

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