Commercial Bank of Minnesota

Commercial Bank of Minnesota is headquartered in Heron Lake and is the 313^st largest bank in the state of Minnesota. It is also the 6,764^th largest bank in the nation. It was established in 1953 and as of March of 2012, it had grown to 10 employees at 1 location. Commercial Bank of Minnesota has a 3-star health rating.

Data for Q1 2012

Institution Statistics Commercial Bank of Minnesota FDIC Certificate # 17225 BankRate Report View Year Established 1953 Employees 10 Primary Regulator FDIC Assets and Liabilities Assets $37.20 million Loans $19.36 million Deposits $33.09 million Equity Capital $3.96 million Loan Loss Allowance $369,000 Unbacked Noncurrent Loans $8,000 Real Estate Owned $2.07 million Historic Data - March 2011 Assets $35.14 million Equity Capital $3.64 million Loan Loss Allowance $336,000 Unbacked Noncurrent Loans $406,000 Real Estate Owned $1.56 million Profit Margin - Quarterly Net Interest Margin 4.27% Return on Assets 0.18% Return on Equity 1.62% Interest Income $368,000

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 March 31, 2012 Commercial Bank of Minnesota had $2.08 million in non-current loans and owned real-estate with $4.33 million in equity and loan loss allowances on hand to cover it. This gives Commercial Bank of Minnesota a Texas Ratio of 47.94% 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 Commercial Bank of Minnesota held steady from 49.36% as of March 31, 2011 to 47.94% as of March 31, 2012, resulting in a positive change of 2.86%.This indicates that the balance sheet and financial strength for Commercial Bank of Minnesota has held steady in recent periods. Deposit Growth In the past year, Commercial Bank of Minnesota has increased its total deposits by $1.64 million, resulting in 5.22% 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 Commercial Bank of Minnesota 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. Commercial Bank of Minnesota has $37.2 million in assets with $4.33 million in equity, resulting in a capitalization level of 11.64%, which is above average.

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