Westside Community Bank

Westside Community Bank is headquartered in University Place and is the 50^th largest bank in the state of Washington. It is also the 4,633^rd largest bank in the nation. It was established in 1995 and as of March of 2012, it had grown to 25 employees at 3 locations. Westside Community Bank has a 1-star health rating.

Westside Community Bank Routing Number: 125108311

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Data for Q1 2012

Institution Statistics Westside Community Bank FDIC Certificate # 33997 BankRate Report View Year Established 1995 Employees 25 Primary Regulator FDIC Assets and Liabilities Assets $113.07 million Loans $82.98 million Deposits $107.85 million Equity Capital $5.15 million Loan Loss Allowance $2.80 million Unbacked Noncurrent Loans $16.36 million Real Estate Owned $18.26 million Historic Data - March 2011 Assets $142.04 million Equity Capital $10.43 million Loan Loss Allowance $3.53 million Unbacked Noncurrent Loans $23.40 million Real Estate Owned $9.52 million Profit Margin - Quarterly Net Interest Margin 4.24% Return on Assets -4.41% Return on Equity -87.46% Interest Income $1.22 million

Institution Health Overall Score: 1 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 Westside Community Bank had $34.61 million in non-current loans and owned real-estate with $7.95 million in equity and loan loss allowances on hand to cover it. This gives Westside Community Bank a Texas Ratio of 435.58% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Westside Community Bank increased slightly from 235.90% as of March 31, 2011 to 435.58% as of March 31, 2012, resulting in a negative change of 84.65%. This indicates that the balance sheet and financial strength for Westside Community Bank has declined slightly in recent periods. Deposit Growth In the past year, Westside Community Bank has decreased its total deposits by -$22.79 million, resulting in -17.44% 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 Westside Community 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. Westside Community Bank has $113.07 million in assets with $7.95 million in equity, resulting in a capitalization level of 7.03%, which is below average.

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