Twin City Bank

Twin City Bank is headquartered in Longview and is the 68^th largest bank in the state of Washington. It is also the 6,553^rd largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 12 employees at 1 location. Twin City Bank has a 4-star health rating.

Twin City Bank Routing Number: 123308618

Data for Q1 2012

Institution Statistics Twin City Bank FDIC Certificate # 35261 BankRate Report View Year Established 2000 Employees 12 Primary Regulator FDIC Assets and Liabilities Assets $43.47 million Loans $33.21 million Deposits $38.68 million Equity Capital $4.24 million Loan Loss Allowance $519,000 Unbacked Noncurrent Loans $165,000 Real Estate Owned $1.19 million Historic Data - March 2011 Assets $42.87 million Equity Capital $4.14 million Loan Loss Allowance $565,000 Unbacked Noncurrent Loans $20,000 Real Estate Owned $2.12 million Profit Margin - Quarterly Net Interest Margin 4.82% Return on Assets 0.23% Return on Equity 2.37% Interest Income $576,000

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 Twin City Bank had $1.35 million in non-current loans and owned real-estate with $4.76 million in equity and loan loss allowances on hand to cover it. This gives Twin City Bank a Texas Ratio of 28.42% 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 Twin City Bank decreased significantly from 58.22% as of March 31, 2011 to 28.42% as of March 31, 2012, resulting in a positive change of 51.19%.This indicates that the balance sheet and financial strength for Twin City Bank has improved significantly in recent periods. Deposit Growth In the past year, Twin City Bank has increased its total deposits by $514,000, resulting in 1.35% 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 Twin City 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. Twin City Bank has $43.47 million in assets with $4.76 million in equity, resulting in a capitalization level of 10.94%, which is above average.

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