Adrian State Bank

Adrian State Bank is headquartered in Adrian and is the 311^st largest bank in the state of Minnesota. It is also the 6,772^nd largest bank in the nation. It was established in 1889 and as of December of 2011, it had grown to 11 employees at 1 location. Adrian State Bank has a 4-star health rating.

Adrian State Bank Routing Number: 091203285

Data for Q4 2011

Institution Statistics Adrian State Bank FDIC Certificate # 8822 BankRate Report View Year Established 1889 Employees 11 Primary Regulator FDIC Assets and Liabilities Assets $37.43 million Loans $20.74 million Deposits $33.54 million Equity Capital $3.74 million Loan Loss Allowance $179,000 Unbacked Noncurrent Loans $224,000 Real Estate Owned $404,000 Historic Data - December 2010 Assets $36.49 million Equity Capital $3.34 million Loan Loss Allowance $143,000 Unbacked Noncurrent Loans $365,000 Real Estate Owned $353,000 Profit Margin - Quarterly Net Interest Margin 3.3% Return on Assets 0.46% Return on Equity 4.58% Interest Income $1.41 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 December 31, 2011 Adrian State Bank had $628,000 in non-current loans and owned real-estate with $3.92 million in equity and loan loss allowances on hand to cover it. This gives Adrian State Bank a Texas Ratio of 16.02% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Adrian State Bank decreased slightly from 20.60% as of December 31, 2010 to 16.02% as of December 31, 2011, resulting in a positive change of 22.22%.This indicates that the balance sheet and financial strength for Adrian State Bank has improved slightly in recent periods. Deposit Growth In the past year, Adrian State Bank has increased its total deposits by $611,000, resulting in 1.86% 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 Adrian State Bank has shown is above 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. Adrian State Bank has $37.43 million in assets with $3.92 million in equity, resulting in a capitalization level of 10.47%, which is above average.

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