Willamette Community Bank

Willamette Community Bank is headquartered in Albany and is the 27^th largest bank in the state of Oregon. It is also the 5,238^th largest bank in the nation. It was established in 2003 and as of December of 2012, it had grown to 24 employees at 2 locations. Willamette Community Bank has a 5-star health rating.

Willamette Community Bank Routing Number: 123206888

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Willamette Community Bank Checking Account Rates

Data for Q4 2012

Institution Statistics Willamette Community Bank FDIC Certificate # 57513 BankRate Report View Year Established 2003 Employees 24 Primary Regulator FDIC Assets and Liabilities Assets $85.57 million Loans $61.39 million Deposits $77.00 million Equity Capital $8.42 million Loan Loss Allowance $763,000 Unbacked Noncurrent Loans $521,000 Real Estate Owned $16,000 Historic Data - December 2011 Assets $79.34 million Equity Capital $7.34 million Loan Loss Allowance $738,000 Real Estate Owned $56,000 Profit Margin - Quarterly Net Interest Margin 4.44% Return on Assets 0.3% Return on Equity 3.11% Interest Income $3.95 million

Institution Health Overall Score: 5 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 December 31, 2012 Willamette Community Bank had $537,000 in non-current loans and owned real-estate with $9.18 million in equity and loan loss allowances on hand to cover it. This gives Willamette Community Bank a Texas Ratio of 5.85% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Willamette Community Bank increased slightly from 0.69% as of December 31, 2011 to 5.85% as of December 31, 2012, resulting in a negative change of 743.36%. This indicates that the balance sheet and financial strength for Willamette Community Bank has declined slightly in recent periods. Deposit Growth In the past year, Willamette Community Bank has increased its total deposits by $5.13 million, resulting in 7.14% 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 Willamette Community Bank has shown is excellent. 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. Willamette Community Bank has $85.57 million in assets with $9.18 million in equity, resulting in a capitalization level of 10.73%, which is above average.

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