IRA ONLINE
PRICE LIST

Failed Bank History Report
If you had been a subscriber to the IRA Bank Monitor when would you have known?

This institution did not file a CALL/TFR in the most recent FFIEC reporting cycle.
The most recent data available in our database is shown.
City Bank as of March-2010
14807 HWY 99 LYNNWOOD, WA, 98087
Data Source: IRA Bank Monitor.  Data in thousands unless otherwise noted.  Copyright 2003-2009 Lord, Whalen LLC All Rights Reserved
Historical Performance Table



IRA Bank Stress Benchmarks
Grade
Stress Index Number
ROE, %
Efficiency Ratio
Goodwill Writedowns

Capital Ratios
T1/RWA
RBC/RWA
T1/ASSET

Basel II Benchmarks
Bond Equivalent Defaults, Method 1
B.E.D., Method 2
Default Rate, bp
LGD: Loss Given Default, %
M: Wt. Avg. Maturity, yr
EAD: Exposure At Default, %

Economic Capital Analysis
EC
RAROC, %
Tier 1 RBC
T1RBC to EC Leverage
Bank Tangible Common Equity
Percent of Tangible Assets (TCE Ratio)
TCE to EC Leverage

Regulatory Watch Points
Total Assets
Total Lending

Total Securities

Net Interest Income, YTD
Earning Assets, Total
Net Interest Margin, Current Qtr - Annualized
NIMY, from FDIC 5YR METHOD

Total Deposits
Brokered Deposits
Reciprocal Brokered Deposits
Volatile Liabilities, per FDIC
FHLB Advances

FHLB Advances-to-Assets, percent
Brokered to Total Deposits, percent
FHLB+BRO+VOLIAB to Assets, percent

Gross Defaults, Actual
Provision for Loan Losses, Income Statement
Actual-to-Provision Ratio
Balance Sheet Allowances for Loan Losses

Gross Defaults, Total
30-89 Day Assets, Total
  Guaranteed Portion of 30-89
Over 90 Assets, Total
  Guaranteed Portion of Over 90
Non-Accrual Assets, Total
  Guaranteed Portion of NA
Real Estate Owned (REO)
Total Troubled Assets
Troubled Assets % of Total Assets
   % factored for less 80% GTY Offsets
Non-Conforming Assets, Reported

Off Balance Sheet Derivatives, Notional
Loss Realization Margin to RBC, bp

March
2010


F
67.2
-1.16
15,424.2%
0

Fail
0.7%
1.3%
0.6%


BB
BB
126.6
0.00
2.13
6.1


$181,458
-5.53%
$5,455
0.0:1
$-134,544
-13.77%
-0.74:1


$981,913
$540,581

$7,352

$71
$674,842
0.04%
0.04%

$919,606
$267,126
$267,126
$220,366
$50,000

5.09%
29.05%
54.74%

$1,711
-
-
$15,672

$1,711
$38,667
$0
$2
$0
$165,281
$322
$189,297
$394,958
40.22%
40.20%
$165,283

$25,661
4,252

December
2009


F
29.5
-0.29
936.4%
0

Fail
4.1%
5.4%
3.2%


CCC
D or Lower
1,957.0
96.24
2.44
7.2


$200,260
-86.47%
$36,403
0.2:1
$-125,829
-11.19%
-0.63:1


$1,129,154
$596,306

$12,849

$4,178
$863,200
0.48%
0.39%

$1,020,494
$351,747
$351,747
$241,830
$65,000

5.76%
34.47%
58.32%

$116,695
$88,799
1.31:1
$11,481

$116,695
$27,290
$0
$5
$0
$200,312
$189
$180,601
$524,903
46.49%
46.47%
$200,317

$21,410
22,156

September
2009


F
23.0
-0.12
563.0%
0

Warn
7.6%
9.0%
6.1%


B
B
312.8
79.82
2.18
7.5


$50,521
-93.41%
$74,665
1.5:1
$-51,624
-4.25%
-1.02:1


$1,219,356
$830,131

$14,355

$4,124
$1,046,351
0.53%
0.49%

$1,068,921
$452,371
$452,371
$219,966
$65,000

5.33%
42.32%
60.47%

$19,474
$42,299
0.46:1
$61,745

$19,474
$24,742
$0
$1,401
$0
$394,471
$544
$126,214
$566,302
46.44%
46.41%
$395,872

$28,008
31,237

June
2009


F
22.1
-0.05
431.5%
0

Adequate
10.1%
11.4%
8.5%


BB
BB
174.9
59.26
1.85
8.7


$41,582
-61.32%
$110,209
2.7:1
$10,517
0.82%
0.25:1


$1,289,818
$951,661

$22,345

$4,208
$1,121,860
0.75%
0.73%

$1,094,151
$562,636
$562,636
$191,682
$75,000

5.81%
51.42%
64.30%

$8,322
$16,876
0.49:1
$46,934

$8,322
$37,477
$0
$3,659
$0
$418,287
$1,713
$99,606
$567,351
43.99%
43.88%
$421,946

$48,459
25,643

March
2009


F
21.3
-0.02
255.4%
0

Adequate
11.1%
12.4%
9.7%


BB
BBB
72.4
2.96
1.69
15.3


$42,410
-17.26%
$132,977
3.1:1
$34,703
2.54%
0.82:1


$1,370,683
$1,045,968

$14,465

$3,381
$1,197,992
1.13%
1.15%

$1,141,922
$636,241
$0
$151,495
$85,000

6.20%
55.72%
63.67%

$1,894
$5,626
0.34:1
$40,560

$1,894
$64,781
$0
$3,826
$0
$435,549
$1,515
$98,230
$604,280
44.09%
44.00%
$439,375

$53,062
27,934

December
2008


F
21.2
-0.02
43.4%
0

Adequate
13.4%
14.7%
12.3%


BB
B
223.9
99.82
1.37
18.0


$45,474
14.58%
$165,984
3.7:1
$51,013
3.79%
1.12:1


$1,351,344
$1,135,052

$14,483

$59,018
$1,173,690
5.03%
4.85%

$1,088,091
$604,235
$0
$190,533
$85,000

6.29%
55.53%
65.10%

$25,412
$91,100
0.28:1
$77,003

$25,412
$84,348
$0
$313
$0
$217,175
$1,455
$114,925
$442,173
32.72%
32.63%
$217,488

$46,401
39,278

September
2008


A
1.5
2.60
27.9%
0

Adequate
16.3%
17.6%
15.6%


BB
BBB
67.9
99.75
1.15
23.9


$16,001
186.53%
$206,826
12.9:1
$137,956
10.46%
8.62:1


$1,324,334
$1,199,299

$14,333

$50,686
$1,214,974
5.56%
5.50%

$1,008,508
$488,337
$0
$233,452
$95,000

7.17%
48.42%
61.68%

$6,110
$33,100
0.18:1
$38,274

$6,110
$101,322
$0
$11,458
$0
$109,303
$1,230
$68,713
$296,906
22.42%
22.34%
$120,761

$16,467
135,412

June
2008


A+
0.6
13.62
26.3%
0

Adequate
17.8%
19.0%
17.0%


BBB
BBB
31.2
99.84
1.01
26.8


$8,207
291.62%
$220,150
26.8:1
$179,846
13.98%
21.91:1


$1,292,300
$1,180,284

$14,391

$35,519
$1,218,690
5.83%
5.76%

$955,179
$415,265
$0
$255,825
$105,000

8.13%
43.48%
60.05%

$1,842
$5,100
0.36:1
$14,530

$1,842
$67,231
$0
$11
$0
$63,178
$50
$40,171
$172,433
13.34%
13.34%
$63,189

$2,726
860,895

March
2008


A+
0.5
17.82
24.4%
0

Adequate
17.4%
18.4%
16.6%


A
AA
4.1
99.21
0.97
30.0


$8,343
165.04%
$217,156
26.0:1
$212,118
16.27%
25.43:1


$1,309,029
$1,218,832

$14,597

$18,761
$1,272,714
5.90%
6.05%

$954,616
$392,507
$0
$289,866
$120,400

9.20%
41.12%
61.33%

$126
$500
0.25:1
$11,644

$126
$20,006
$0
$0
$0
$50,204
$50
$5,018
$75,354
5.76%
5.75%
$50,204

$2,289
999,581

December
2007


A+
0.5
19.79
21.5%
0

Adequate
17.6%
18.6%
16.9%


A
AA
9.3
87.63
0.75
32.8


$8,483
749.41%
$209,518
24.7:1
$208,704
16.92%
24.60:1


$1,239,032
$1,161,755

$14,487

$81,894
$1,208,722
6.78%
7.31%

$864,489
$297,734
$0
$284,954
$130,400

10.52%
34.44%
57.55%

$1,075
$1,925
0.56:1
$11,269

$1,075
$9,961
$12
$19
$0
$15,977
$703
$705
$27,737
2.24%
2.19%
$15,996

$3,283
672,556

September
2007


A+
0.5
19.20
22.3%
0

Adequate
19.1%
20.0%
18.4%


A
AA
11.6
87.21
0.72
34.9


$8,499
554.37%
$217,274
25.6:1
$217,119
18.50%
25.55:1


$1,179,272
$1,107,034

$14,692

$61,506
$1,149,147
7.14%
7.46%

$827,231
$271,141
$0
$250,959
$120,400

10.21%
32.78%
54.48%

$962
$825
1.17:1
$10,272

$962
$3,228
$13
$147
$0
$9,679
$1,025
$0
$14,016
1.19%
1.12%
$9,826

$2,298
990,244

June
2007


A+
0.5
20.00
22.8%
0

Adequate
19.1%
20.0%
18.3%


A
AA
4.8
61.09
0.57
38.3


$8,964
350.29%
$209,158
23.3:1
$208,949
18.38%
23.31:1


$1,142,300
$1,063,425

$15,377

$40,801
$1,112,660
7.33%
7.54%

$809,984
$253,624
$0
$212,132
$110,400

9.66%
31.31%
50.44%

$257
$150
1.71:1
$10,279

$257
$2,142
$0
$49
$15
$1,970
$418
$0
$4,418
0.39%
0.36%
$2,019

-
-

All CALL/TFR's file to identical calendars ending Dec-31. Quarterly values reported are cumulative thru the reporting year. Dollar data in thousands unless otherwise noted. Selected rates pre-computed by FDIC are factored according to criteria from the regulatory agency to derive annualized rates. Peering groups are dynamically generated each quarter based the bank unit being examined. See the quarterly for peer listings.
Lord, Whalen LLC dba Institutional Risk Analytics 371 Van Ness Way Suite 110 Torrance, California 90501 310.676.3300