Castle Rock Bank

Castle Rock Bank is headquartered in Castle Rock and is the 119^st largest bank in the state of Minnesota. It is also the 3,833^rd largest bank in the nation. It was established in 1916 and as of September of 2011, it had grown to 25 employees at 2 locations. Castle Rock Bank has a 4-star health rating.

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Data for Q3 2011

Institution Statistics Castle Rock Bank FDIC Certificate # 1913 BankRate Report View Year Established 1916 Employees 25 Primary Regulator FDIC Assets and Liabilities Assets $151.52 million Loans $69.85 million Deposits $132.20 million Equity Capital $19.01 million Loan Loss Allowance $1.52 million Unbacked Noncurrent Loans $2.92 million Real Estate Owned $372,000 Historic Data - September 2010 Assets $138.75 million Equity Capital $17.72 million Loan Loss Allowance $1.40 million Unbacked Noncurrent Loans $2.43 million Real Estate Owned $624,000 Profit Margin - Quarterly Net Interest Margin 3.53% Return on Assets 1.32% Return on Equity 10.34% Interest Income $5.06 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 September 30, 2011 Castle Rock Bank had $3.3 million in non-current loans and owned real-estate with $20.53 million in equity and loan loss allowances on hand to cover it. This gives Castle Rock Bank a Texas Ratio of 16.05% 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 Castle Rock Bank held steady from 15.99% as of September 30, 2010 to 16.05% as of September 30, 2011, resulting in a negative change of 0.38%. This indicates that the balance sheet and financial strength for Castle Rock Bank has held steady in recent periods. Deposit Growth In the past year, Castle Rock Bank has increased its total deposits by $11.41 million, resulting in 9.45% 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 Castle Rock Bank has shown is excellent. 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. Castle Rock Bank has $151.52 million in assets with $20.53 million in equity, resulting in a capitalization level of 13.55%, which is excellent.

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