Anchor Bank, National Association

Anchor Bank, National Association is headquartered in Saint Paul and is the 6^th largest bank in the state of Minnesota. It is also the 511^st largest bank in the nation. It was established in 1923 and as of December of 2011, it had grown to 301 employees at 16 locations. Anchor Bank, National Association has a 4-star health rating.

Data for Q4 2011

Institution Statistics Anchor Bank, National Association FDIC Certificate # 8868 BankRate Report View Year Established 1923 Employees 301 Primary Regulator OCC Assets and Liabilities Assets $1.29 billion Loans $883.77 million Deposits $1.12 billion Equity Capital $119.77 million Loan Loss Allowance $16.46 million Unbacked Noncurrent Loans $14.44 million Real Estate Owned $13.95 million Historic Data - December 2010 Assets $1.29 billion Equity Capital $111.34 million Loan Loss Allowance $18.27 million Unbacked Noncurrent Loans $23.87 million Real Estate Owned $10.70 million Profit Margin - Quarterly Net Interest Margin 4.25% Return on Assets 0.75% Return on Equity 8.27% Interest Income $56.28 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 Anchor Bank, National Association had $28.39 million in non-current loans and owned real-estate with $136.23 million in equity and loan loss allowances on hand to cover it. This gives Anchor Bank, National Association a Texas Ratio of 20.84% 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 Anchor Bank, National Association decreased slightly from 27.01% as of December 31, 2010 to 20.84% as of December 31, 2011, resulting in a positive change of 22.85%.This indicates that the balance sheet and financial strength for Anchor Bank, National Association has improved slightly in recent periods. Deposit Growth In the past year, Anchor Bank, National Association has increased its total deposits by $34.18 million, resulting in 3.16% 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 Anchor Bank, National Association 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. Anchor Bank, National Association has $1.29 billion in assets with $136.23 million in equity, resulting in a capitalization level of 10.55%, which is above average.

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