Bank of Zumbrota

Bank of Zumbrota is headquartered in Zumbrota and is the 134^th largest bank in the state of Minnesota. It is also the 4,095^th largest bank in the nation. It was established in 1925 and as of December of 2011, it had grown to 38 employees at 2 locations. Bank of Zumbrota's savings rates are 4X the national average, and it has a 4-star health rating.

Bank of Zumbrota Routing Number: 091910028

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Data for Q4 2011

Institution Statistics Bank of Zumbrota FDIC Certificate # 13654 BankRate Report View Year Established 1925 Employees 38 Primary Regulator FDIC Assets and Liabilities Assets $136.62 million Loans $94.00 million Deposits $111.75 million Equity Capital $16.37 million Loan Loss Allowance $1.56 million Unbacked Noncurrent Loans $1.99 million Real Estate Owned $572,000 Historic Data - December 2010 Assets $133.79 million Equity Capital $14.94 million Loan Loss Allowance $1.35 million Unbacked Noncurrent Loans $1.35 million Real Estate Owned $224,000 Profit Margin - Quarterly Net Interest Margin 4.1% Return on Assets 1.32% Return on Equity 11.44% Interest Income $6.81 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 Zumbrota had $2.57 million in non-current loans and owned real-estate with $17.93 million in equity and loan loss allowances on hand to cover it. This gives Bank of Zumbrota a Texas Ratio of 14.31% 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 Zumbrota held steady from 9.64% as of December 31, 2010 to 14.31% as of December 31, 2011, resulting in a negative change of 48.51%. This indicates that the balance sheet and financial strength for Bank of Zumbrota has held steady in recent periods. Deposit Growth In the past year, Bank of Zumbrota has increased its total deposits by $2.85 million, resulting in 2.62% 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 Zumbrota 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. Bank of Zumbrota has $136.62 million in assets with $17.93 million in equity, resulting in a capitalization level of 13.12%, which is excellent.

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