Bank of Hazelton

Bank of Hazelton is headquartered in Hazelton and is the 76^th largest bank in the state of North Dakota. It is also the 6,610^st largest bank in the nation. It was established in 1903 and as of December of 2011, it had grown to 7 employees at 1 location. Bank of Hazelton has a 4-star health rating.

Bank of Hazelton Routing Number: 091304032

Data for Q4 2011

Institution Statistics Bank of Hazelton FDIC Certificate # 17813 BankRate Report View Year Established 1903 Employees 7 Primary Regulator FDIC Assets and Liabilities Assets $42.32 million Loans $19.15 million Deposits $38.80 million Equity Capital $3.38 million Loan Loss Allowance $300,000 Unbacked Noncurrent Loans $130,000 Real Estate Owned $290,000 Historic Data - December 2010 Assets $36.14 million Equity Capital $2.99 million Loan Loss Allowance $300,000 Unbacked Noncurrent Loans $275,000 Real Estate Owned $315,000 Profit Margin - Quarterly Net Interest Margin 3.56% Return on Assets 0.76% Return on Equity 9.2% Interest Income $1.43 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 Bank of Hazelton had $420,000 in non-current loans and owned real-estate with $3.68 million in equity and loan loss allowances on hand to cover it. This gives Bank of Hazelton a Texas Ratio of 11.40% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Hazelton decreased slightly from 17.94% as of December 31, 2010 to 11.40% as of December 31, 2011, resulting in a positive change of 36.47%.This indicates that the balance sheet and financial strength for Bank of Hazelton has improved slightly in recent periods. Deposit Growth In the past year, Bank of Hazelton has increased its total deposits by $5.8 million, resulting in 17.58% 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 Bank of Hazelton 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. Bank of Hazelton has $42.32 million in assets with $3.68 million in equity, resulting in a capitalization level of 8.71%, which is average.

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