Blaine State Bank

Blaine State Bank is headquartered in Blaine and is the 303^rd largest bank in the state of Minnesota. It is also the 6,715^st largest bank in the nation. It was established in 1972 and as of December of 2011, it had grown to 13 employees at 1 location. Blaine State Bank has a 4-star health rating.

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Data for Q4 2011

Institution Statistics Blaine State Bank FDIC Certificate # 20670 BankRate Report View Year Established 1972 Employees 13 Primary Regulator FDIC Assets and Liabilities Assets $39.56 million Loans $22.09 million Deposits $31.59 million Equity Capital $5.89 million Loan Loss Allowance $199,000 Unbacked Noncurrent Loans $344,000 Real Estate Owned $1.37 million Historic Data - December 2010 Assets $40.32 million Equity Capital $6.41 million Loan Loss Allowance $408,000 Unbacked Noncurrent Loans $2.56 million Real Estate Owned $442,000 Profit Margin - Quarterly Net Interest Margin 4.08% Return on Assets -1.3% Return on Equity -8.53% Interest Income $1.72 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 Blaine State Bank had $1.71 million in non-current loans and owned real-estate with $6.09 million in equity and loan loss allowances on hand to cover it. This gives Blaine State Bank a Texas Ratio of 28.08% 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 Blaine State Bank decreased slightly from 44.02% as of December 31, 2010 to 28.08% as of December 31, 2011, resulting in a positive change of 36.22%.This indicates that the balance sheet and financial strength for Blaine State Bank has improved slightly in recent periods. Deposit Growth In the past year, Blaine State Bank has decreased its total deposits by $-22,000, resulting in -0.07% 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 Blaine State Bank 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. Blaine State Bank has $39.56 million in assets with $6.09 million in equity, resulting in a capitalization level of 15.39%, which is excellent.

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