BankStar Financial

BankStar Financial is headquartered in Elkton and is the 48^th largest bank in the state of South Dakota. It is also the 6,029^th largest bank in the nation. It was established in 1926 and as of December of 2011, it had grown to 16 employees at 2 locations. BankStar Financial has a 4-star health rating.

BankStar Financial Routing Number: 091408514

Data for Q4 2011

Institution Statistics BankStar Financial FDIC Certificate # 496 BankRate Report View Year Established 1926 Employees 16 Primary Regulator FDIC Assets and Liabilities Assets $61.75 million Loans $46.06 million Deposits $48.93 million Equity Capital $5.80 million Loan Loss Allowance $480,000 Unbacked Noncurrent Loans $1.11 million Historic Data - December 2010 Assets $57.95 million Equity Capital $5.05 million Loan Loss Allowance $398,000 Unbacked Noncurrent Loans $1.14 million Real Estate Owned $127,000 Profit Margin - Quarterly Net Interest Margin 4.08% Return on Assets 0.97% Return on Equity 10.78% Interest Income $3.05 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 BankStar Financial had $1.11 million in non-current loans and owned real-estate with $6.28 million in equity and loan loss allowances on hand to cover it. This gives BankStar Financial a Texas Ratio of 17.65% 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 BankStar Financial decreased slightly from 23.29% as of December 31, 2010 to 17.65% as of December 31, 2011, resulting in a positive change of 24.23%.This indicates that the balance sheet and financial strength for BankStar Financial has improved slightly in recent periods. Deposit Growth In the past year, BankStar Financial has increased its total deposits by $340,000, resulting in 0.7% 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 BankStar Financial has shown is 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. BankStar Financial has $61.75 million in assets with $6.28 million in equity, resulting in a capitalization level of 10.17%, which is above average.

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