BankVista

BankVista is headquartered in Sartell and is the 154^th largest bank in the state of Minnesota. It is also the 4,654^th largest bank in the nation. It was established in 2000 and as of December of 2011, it had grown to 20 employees at 1 location. BankVista's savings rates are 63% higher than the national average, and it has a 3-star health rating.

BankVista Routing Number: 091917050

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Data for Q4 2011

Institution Statistics BankVista FDIC Certificate # 35406 BankRate Report View Year Established 2000 Employees 20 Primary Regulator FDIC Assets and Liabilities Assets $111.49 million Loans $92.82 million Deposits $90.53 million Equity Capital $9.98 million Loan Loss Allowance $1.78 million Unbacked Noncurrent Loans $1.58 million Real Estate Owned $2.68 million Historic Data - December 2010 Assets $112.20 million Equity Capital $9.54 million Loan Loss Allowance $1.38 million Unbacked Noncurrent Loans $1.80 million Real Estate Owned $2.18 million Profit Margin - Quarterly Net Interest Margin 4.17% Return on Assets 0.6% Return on Equity 6.83% Interest Income $5.85 million

Institution Health Overall Score: 3 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 BankVista had $4.26 million in non-current loans and owned real-estate with $11.76 million in equity and loan loss allowances on hand to cover it. This gives BankVista a Texas Ratio of 36.21% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for BankVista held steady from 36.22% as of December 31, 2010 to 36.21% as of December 31, 2011, resulting in a positive change of 0.03%.This indicates that the balance sheet and financial strength for BankVista has held steady in recent periods. Deposit Growth In the past year, BankVista has increased its total deposits by $702,000, resulting in 0.78% 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 BankVista 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. BankVista has $111.49 million in assets with $11.76 million in equity, resulting in a capitalization level of 10.55%, which is above average.

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