Clinton State Bank

Clinton State Bank is headquartered in Clinton and is the 231^st largest bank in the state of Minnesota. It is also the 5,830^th largest bank in the nation. It was established in 1903 and as of March of 2012, it had grown to 9 employees at 1 location. Clinton State Bank's savings rates are 44% higher than the national average, and it has a 4-star health rating.

Clinton State Bank Checking Account Rates

Clinton State Bank Savings Account Rates

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Data for Q1 2012

Institution Statistics Clinton State Bank FDIC Certificate # 1099 BankRate Report View Year Established 1903 Employees 9 Primary Regulator FED Assets and Liabilities Assets $68.10 million Loans $42.45 million Deposits $58.89 million Equity Capital $9.05 million Loan Loss Allowance $611,000 Unbacked Noncurrent Loans $818,000 Historic Data - March 2011 Assets $67.58 million Equity Capital $8.61 million Loan Loss Allowance $576,000 Unbacked Noncurrent Loans $399,000 Profit Margin - Quarterly Net Interest Margin 3.97% Return on Assets 3.01% Return on Equity 22.55% Interest Income $751,000

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 March 31, 2012 Clinton State Bank had $818,000 in non-current loans and owned real-estate with $9.66 million in equity and loan loss allowances on hand to cover it. This gives Clinton State Bank a Texas Ratio of 8.47% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Clinton State Bank held steady from 4.34% as of March 31, 2011 to 8.47% as of March 31, 2012, resulting in a negative change of 94.93%. This indicates that the balance sheet and financial strength for Clinton State Bank has held steady in recent periods. Deposit Growth In the past year, Clinton State Bank has increased its total deposits by $2.65 million, resulting in 4.7% 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 Clinton State Bank has shown is above 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. Clinton State Bank has $68.1 million in assets with $9.66 million in equity, resulting in a capitalization level of 14.18%, which is excellent.

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