Brainerd Savings and Loan Association, A Federal Association

Brainerd Savings and Loan Association, A Federal Association is headquartered in Brainerd and is the 241^st largest bank in the state of Minnesota. It is also the 5,931^st largest bank in the nation. It was established in 1922 and as of December of 2011, it had grown to 24 employees at 2 locations. Brainerd Savings and Loan Association, A Federal Association has a 3-star health rating.

Data for Q4 2011

Institution Statistics Brainerd Savings and Loan Association, A Federal Association OTS # 06979 FDIC Certificate # 31443 BankRate Report View Year Established 1922 Employees 24 Primary Regulator OCC Assets and Liabilities Assets $65.07 million Loans $48.67 million Deposits $45.88 million Equity Capital $4.98 million Loan Loss Allowance $301,000 Unbacked Noncurrent Loans $1.13 million Real Estate Owned $119,000 Historic Data - December 2010 Assets $67.37 million Equity Capital $5.00 million Loan Loss Allowance $277,000 Unbacked Noncurrent Loans $939,000 Real Estate Owned $125,000 Profit Margin - Quarterly Net Interest Margin 3.28% Return on Assets 0.2% Return on Equity 2.72% Interest Income $2.96 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 Brainerd Savings and Loan Association, A Federal Association had $1.25 million in non-current loans and owned real-estate with $5.28 million in equity and loan loss allowances on hand to cover it. This gives Brainerd Savings and Loan Association, A Federal Association a Texas Ratio of 23.69% 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 Brainerd Savings and Loan Association, A Federal Association held steady from 20.15% as of December 31, 2010 to 23.69% as of December 31, 2011, resulting in a negative change of 17.55%. This indicates that the balance sheet and financial strength for Brainerd Savings and Loan Association, A Federal Association has held steady in recent periods. Deposit Growth In the past year, Brainerd Savings and Loan Association, A Federal Association has increased its total deposits by $189,000, resulting in 0.41% 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 Brainerd Savings and Loan Association, A Federal Association 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. Brainerd Savings and Loan Association, A Federal Association has $65.07 million in assets with $5.28 million in equity, resulting in a capitalization level of 8.12%, which is average.

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