Our Mission - Pacific Continental Bank

Our Mission:
Helping Nonprofits
Fulfill Their Missions
At Pacific Continental Bank, we believe the most
important investment we can make is an investment
in our communities. Just like you, we place great
value on commitment, service and stewardship.

The Right Bank ® for Nonprofits
Nonprofit organizations operate with the principle goal
of carrying out their missions every day. To achieve this
goal, organization leaders must build strong relationships
and develop innovative programs to ensure the strength
and success of the clients and communities they serve.
When it comes to working with nonprofits, Pacific
Continental Bank’s philosophy is no different.
For more than 40 years, Pacific Continental Bank has
served the Pacific Northwest with a passion for helping
nonprofit organizations thrive. Just as you advocate
for your clients, we advocate for you. We act as a
collaborative business partner, allowing you to focus on
what you do best — fulfill your organization’s mission.
We offer flexible services to fit the specific needs
of nonprofit groups of all sizes. From cash flow
management training to financing, sweep accounts
for operating funds and more, we understand your
work and financial needs. As your organization grows
and changes, we adjust our banking services to better
meet your needs. And, we share our resources to
help you lead your organization more efficiently
and effectively.
From small, emerging organizations to large, seasoned
agencies, we have the capacity and knowledge to
service your needs. Examples of the types of nonprofit
organizations we work with include:
• Faith-based organizations
• Health and human services
• Social and civic groups
• Educational organizations
• Community and arts organizations
Within our own organization, we walk the talk.
We offer support in terms of giving and volunteerism,
underscoring our strong commitment to building up
communities and community partners.
Our Bankers Speak Nonprofit
At Pacific Continental, our bankers
truly speak the language of nonprofit
organizations. Several of our banking
experts have held positions in the
nonprofit sector, from serving as
professional staff to members of
boards of directors. This industry
expertise is invaluable as we
assist nonprofit organizations in
navigating the world of banking.
As an example of our dedication
to community organizations,
Pacific Continental offers seminars
and workshops focused on helping
nonprofit organizations better
position themselves for financial
success. We also host informational
meetings to guide nonprofit groups
in evaluating their banking needs.
Additionally, Pacific Continental
has developed a white paper series
dedicated to the issues facing
nonprofits today.

Banking Products for Nonprofit Organizations
Pacific Continental has a
comprehensive suite of convenient
banking products and services
designed to meet the unique needs
of nonprofit organizations. Our
nonprofit services banking experts
are available to help determine the
right products for you.
Operating Accounts
Pacific Continental offers nonprofit
clients a variety of checking and
savings accounts, which can be set
up to best serve your organization’s
operating needs.
Reserve Savings Accounts
We provide sweep access accounts on
multiple levels, designed to maximize
any investment and loan payment goals.
Online Banking Plus
With Online Banking Plus, we can
help you enhance internal controls
by providing varying levels of access
and security for multiple users and
online tools to monitor day-to-day
activities. Pacific Continental can help
you set up electronic funds transfers
(ACH origination services) for your
organization’s needs, such as direct
deposit for payroll and e-giving
for recurring electronic donations
from donors.
Merchant and Card Services
Pacific Continental Bank offers
merchant bankcard services, provided
by Vantiv, making it easy to accept all
major credit and debit cards, while
keeping your costs low.
Deposit Plus Remote
Capture Service
With Deposit Plus, Pacific Continental
offers you the convenience of making
deposits from your office. With this
service, you can access images of
deposited items, which facilitates
reconciling and donor research, and
potentially eliminates the need for
photocopying checks.
Statement Plus CD-ROMs
Our interactive account statement
CD-ROMs provide images of the
front and back of every check written
and deposited, along with images of
all deposits and monthly account
statements. This tool is highly
beneficial for record keeping, donor
history management and financial
audits. Individual CD-ROMs are also
available for your specific events and
fundraising activities.
Additional Services
Lockbox – Payments from donors,
along with a coupon that we scan for
accuracy, are mailed directly to Pacific
Continental, where we process and
deposit the payments and capture
payment details. This service may help
mitigate internal control concerns.
Positive Pay – We help protect your
organization from fraud by allowing
you to compare an electronic file of
the checks your organization issues
against checks presented for payment.
You’ll be notified daily of any nonmatching
items attempting to clear
through your account.
Loans & Lines of Credit – Contact
your Pacific Continental banker for
the best options for your organization.
Business MasterCard® – Our Business
MasterCard® provides a convenient
option for various expenses such as
travel and office expenditures.
Multiple cards can be issued with
different credit limits, set by you.
Giving Back
Pacific Continental Bank proudly
supports our local communities.
Through our “Giving with Heart”
program, Pacific Continental
encourages employees to volunteer
their time in their local communities.
What’s more, the bank matches
employees’ charitable contributions
up to $100 per year.
Over the years, Pacific Continental
employees have contributed more
than 45,000 hours of volunteer work
to community organizations, and
they have organized and coordinated
numerous fundraising events within
the bank, collecting tens of thousands
of dollars on behalf of more than 100
nonprofit organizations.

Is Your Bank Financially Sound
Nonprofit organizations must act as good
stewards of the money they receive from
donors and other sources for day-to-day
operations and the delivery of services.
But many nonprofits do not have a clear
understanding of the financial position
of their banks.
One of the most telling and easily
available statistics to measure a bank’s
strength is its capital position. Financial
institutions maintain capital to support
the growth of their organization and to
better position themselves in the event
of adverse economic conditions. Federal
regulators rate banks based on their
capital as a percent of assets. There are
three distinct capital ratios — each
of which describes a bank as either
being “adequately capitalized” or
“well-capitalized.”
SCHEDULE RC-R SAMPLE
When looking at the overall strength
and viability of a commercial bank,
nonprofits should consider several
other factors, including:
• Diversity of the bank’s geographic
and industry exposure.
• Current and historical financial
performance.
• Length of time in business.
• Experience of the executive
management team.
To determine if a bank is well-capitalized,
obtain a copy of its Schedule RC-R —
Regulatory Capital. All banks should
offer this information upon request —
or simply visit the FFIEC website at
https://cdr.ffiec.gov/public. When
looking at the Schedule RC-R, look at
lines 31 through 33. A well-capitalized
bank will have ratios of at least 5%, 6%
and 10%, respectively.
Connect with us.
GREATER EUGENE
541-686-8685
GREATER PORTLAND
503-350-1205
360-695-3204
26. Other deductions from assets for leverage capital purposes............................... RCONB596 0 26.
27. Average total assets for leverage capital purposes.............................................. RCONA224 0 27.
28. Not available 28.
a. Adjustable to Tier 1 capital reported in item 11................................................ RCONC228 A well-capitalized 0 28.a.
b. Adjustment to total risk-based capital reported in item 21............................... RCONB503 0 28.b.
29. Adjustment to risk-weighted assets reported in item
A
62......................................
well-capitalized
bank will have a
RCONB504 0 29.
30. Adjustment to average total assets reported in item 27....................................... RCONB505 0 30.
Schedule RC-R Regulatory Capital
bank will have a
ratio of at least 6%
Dollar amounts in thousands
(Column A) Percentage
(Banks with Financial
Subsidiaries)
(Column B) Percentage
(All Banks)
31. Tier 1 leverage ratio........................................................................ RCON7273 0 RCON7204 31.
32. Tier 1 risk-based capital ratio......................................................... RCON7274 0 RCON7206 32.
33. Total risk-based capital ratio.......................................................... RCON7275 0 RCON7205 33.
A well-capitalized
bank will have a
ratio of at least 10%
ratio of at least 5%
GREATER SEATTLE
206-676-8880
425-688-3793
253-552-4800
TOLL-FREE
877-231-2265
EMAIL
banking@therightbank.com
WEBSITE
therightbank.com
SOCIAL
April 2014