Yakima National Bank

Yakima National Bank is headquartered in Yakima and is the 49^th largest bank in the state of Washington. It is also the 4,592^nd largest bank in the nation. It was established in 1997 and as of March of 2012, it had grown to 36 employees at 4 locations. Yakima National Bank has a 4-star health rating.

Yakima National Bank Routing Number: 125108421

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Data for Q1 2012

Institution Statistics Yakima National Bank FDIC Certificate # 34402 BankRate Report View Year Established 1997 Employees 36 Primary Regulator OCC Assets and Liabilities Assets $114.53 million Loans $74.29 million Deposits $103.67 million Equity Capital $9.97 million Loan Loss Allowance $1.37 million Unbacked Noncurrent Loans $1.68 million Historic Data - March 2011 Assets $116.46 million Equity Capital $10.08 million Loan Loss Allowance $1.40 million Unbacked Noncurrent Loans $1.88 million Real Estate Owned $269,000 Profit Margin - Quarterly Net Interest Margin 3.49% Return on Assets 0.31% Return on Equity 3.66% Interest Income $1.14 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 Yakima National Bank had $1.68 million in non-current loans and owned real-estate with $11.34 million in equity and loan loss allowances on hand to cover it. This gives Yakima National Bank a Texas Ratio of 14.85% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Yakima National Bank decreased slightly from 18.76% as of March 31, 2011 to 14.85% as of March 31, 2012, resulting in a positive change of 20.87%.This indicates that the balance sheet and financial strength for Yakima National Bank has improved slightly in recent periods. Deposit Growth In the past year, Yakima National Bank has decreased its total deposits by -$1.89 million, resulting in -1.79% 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 Yakima National Bank has shown is below 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. Yakima National Bank has $114.53 million in assets with $11.34 million in equity, resulting in a capitalization level of 9.90%, which is average.

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