Atwater State Bank

Atwater State Bank is headquartered in Atwater and is the 299^th largest bank in the state of Minnesota. It is also the 6,612^st largest bank in the nation. It was established in 1932 and as of December of 2011, it had grown to 13 employees at 2 locations. Atwater State Bank has a 5-star health rating.

Atwater State Bank Routing Number: 091916051

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Data for Q4 2011

Institution Statistics Atwater State Bank FDIC Certificate # 1396 BankRate Report View Year Established 1932 Employees 13 Primary Regulator FDIC Assets and Liabilities Assets $42.30 million Loans $29.14 million Deposits $37.66 million Equity Capital $3.78 million Loan Loss Allowance $445,000 Unbacked Noncurrent Loans $185,000 Historic Data - December 2010 Assets $39.27 million Equity Capital $3.43 million Loan Loss Allowance $555,000 Unbacked Noncurrent Loans $551,000 Real Estate Owned $349,000 Profit Margin - Quarterly Net Interest Margin 3.99% Return on Assets 0.77% Return on Equity 8.72% Interest Income $1.94 million

Institution Health Overall Score: 5 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 Atwater State Bank had $185,000 in non-current loans and owned real-estate with $4.22 million in equity and loan loss allowances on hand to cover it. This gives Atwater State Bank a Texas Ratio of 4.38% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Atwater State Bank decreased significantly from 22.57% as of December 31, 2010 to 4.38% as of December 31, 2011, resulting in a positive change of 80.58%.This indicates that the balance sheet and financial strength for Atwater State Bank has improved significantly in recent periods. Deposit Growth In the past year, Atwater State Bank has increased its total deposits by $3.7 million, resulting in 10.91% 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 Atwater 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. Atwater State Bank has $42.3 million in assets with $4.22 million in equity, resulting in a capitalization level of 9.98%, which is average.

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