Arlington State Bank

Arlington State Bank is headquartered in Arlington and is the 267^th largest bank in the state of Minnesota. It is also the 6,253^rd largest bank in the nation. It was established in 1895 and as of December of 2011, it had grown to 15 employees at 2 locations. Arlington State Bank has a 4-star health rating.

Arlington State Bank Routing Number: 091904322

Data for Q4 2011

Institution Statistics Arlington State Bank FDIC Certificate # 1391 BankRate Report View Year Established 1895 Employees 15 Primary Regulator FDIC Assets and Liabilities Assets $53.85 million Loans $24.34 million Deposits $46.80 million Equity Capital $5.88 million Loan Loss Allowance $385,000 Unbacked Noncurrent Loans $631,000 Real Estate Owned $352,000 Historic Data - December 2010 Assets $49.94 million Equity Capital $5.02 million Loan Loss Allowance $576,000 Unbacked Noncurrent Loans $1.12 million Real Estate Owned $704,000 Profit Margin - Quarterly Net Interest Margin 3.98% Return on Assets 0.77% Return on Equity 7.38% Interest Income $2.17 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 Arlington State Bank had $983,000 in non-current loans and owned real-estate with $6.27 million in equity and loan loss allowances on hand to cover it. This gives Arlington State Bank a Texas Ratio of 15.69% 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 Arlington State Bank decreased significantly from 32.70% as of December 31, 2010 to 15.69% as of December 31, 2011, resulting in a positive change of 52.02%.This indicates that the balance sheet and financial strength for Arlington State Bank has improved significantly in recent periods. Deposit Growth In the past year, Arlington State Bank has increased its total deposits by $3.14 million, resulting in 7.19% 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 Arlington State Bank has shown is excellent. 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. Arlington State Bank has $53.85 million in assets with $6.27 million in equity, resulting in a capitalization level of 11.64%, which is above average.

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