Bonanza Valley State Bank

Bonanza Valley State Bank is headquartered in Brooten and is the 283^rd largest bank in the state of Minnesota. It is also the 6,442^nd largest bank in the nation. It was established in 1894 and as of December of 2011, it had grown to 10 employees at 1 location. Bonanza Valley State Bank's savings rates are 3X the national average, but it has a 2-star health rating.

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Data for Q4 2011

Institution Statistics Bonanza Valley State Bank FDIC Certificate # 10993 BankRate Report View Year Established 1894 Employees 10 Primary Regulator FDIC Assets and Liabilities Assets $48.14 million Loans $38.53 million Deposits $39.58 million Equity Capital $4.25 million Loan Loss Allowance $525,000 Unbacked Noncurrent Loans $1.80 million Real Estate Owned $87,000 Historic Data - December 2010 Assets $49.04 million Equity Capital $4.45 million Loan Loss Allowance $408,000 Unbacked Noncurrent Loans $363,000 Real Estate Owned $93,000 Profit Margin - Quarterly Net Interest Margin 4% Return on Assets 0.63% Return on Equity 7.27% Interest Income $2.66 million

Institution Health Overall Score: 2 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 Bonanza Valley State Bank had $1.88 million in non-current loans and owned real-estate with $4.77 million in equity and loan loss allowances on hand to cover it. This gives Bonanza Valley State Bank a Texas Ratio of 39.48% 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 Bonanza Valley State Bank increased slightly from 9.40% as of December 31, 2010 to 39.48% as of December 31, 2011, resulting in a negative change of 320.17%. This indicates that the balance sheet and financial strength for Bonanza Valley State Bank has declined slightly in recent periods. Deposit Growth In the past year, Bonanza Valley State Bank has decreased its total deposits by $-288,000, resulting in -0.72% 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 Bonanza Valley 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. Bonanza Valley State Bank has $48.14 million in assets with $4.77 million in equity, resulting in a capitalization level of 9.91%, which is average.

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