Davison State Bank

Davison State Bank is headquartered in Davison and is the 115^st largest bank in the state of Michigan. It is also the 5,870^th largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 38 employees at 4 locations. Davison State Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics Hantz Bank FDIC Certificate # 35345 BankRate Report View Year Established 2000 Employees 38 Primary Regulator FDIC Assets and Liabilities Assets $66.58 million Loans $42.63 million Deposits $57.92 million Equity Capital $8.18 million Loan Loss Allowance $259,000 Unbacked Noncurrent Loans $773,000 Real Estate Owned $29,000 Historic Data - March 2011 Assets $44.51 million Equity Capital $7.55 million Loan Loss Allowance $284,000 Unbacked Noncurrent Loans $1.15 million Real Estate Owned $663,000 Profit Margin - Quarterly Net Interest Margin 4.01% Return on Assets 0.82% Return on Equity 6.16% Interest Income $632,000

Institution Health Overall Score: 5 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 Davison State Bank had $802,000 in non-current loans and owned real-estate with $8.44 million in equity and loan loss allowances on hand to cover it. This gives Davison State Bank a Texas Ratio of 9.50% 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 Davison State Bank decreased significantly from 23.13% as of March 31, 2011 to 9.50% as of March 31, 2012, resulting in a positive change of 58.91%.This indicates that the balance sheet and financial strength for Davison State Bank has improved significantly in recent periods. Deposit Growth In the past year, Davison State Bank has increased its total deposits by $21.24 million, resulting in 57.91% 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 Davison State 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. Davison State Bank has $66.58 million in assets with $8.44 million in equity, resulting in a capitalization level of 12.67%, which is excellent.

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