DNB NATIONAL BANK

DNB NATIONAL BANK is headquartered in Clear Lake and is the 49^th largest bank in the state of South Dakota. It is also the 6,112^st largest bank in the nation. It was established in 1926 and as of March of 2012, it had grown to 21 employees at 2 locations. DNB NATIONAL BANK has a 5-star health rating.

DNB NATIONAL BANK Routing Number: 091408462

Data for Q1 2012

Institution Statistics DNB NATIONAL BANK FDIC Certificate # 3977 BankRate Report View Year Established 1926 Employees 21 Primary Regulator OCC Assets and Liabilities Assets $58.34 million Loans $17.33 million Deposits $47.19 million Equity Capital $5.94 million Loan Loss Allowance $426,000 Unbacked Noncurrent Loans $278,000 Historic Data - March 2011 Assets $56.75 million Equity Capital $5.87 million Loan Loss Allowance $435,000 Unbacked Noncurrent Loans $1.12 million Profit Margin - Quarterly Net Interest Margin 3.63% Return on Assets 1.59% Return on Equity 16.55% Interest Income $568,000

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 DNB NATIONAL BANK had $278,000 in non-current loans and owned real-estate with $6.37 million in equity and loan loss allowances on hand to cover it. This gives DNB NATIONAL BANK a Texas Ratio of 4.37% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for DNB NATIONAL BANK decreased significantly from 17.81% as of March 31, 2011 to 4.37% as of March 31, 2012, resulting in a positive change of 75.48%.This indicates that the balance sheet and financial strength for DNB NATIONAL BANK has improved significantly in recent periods. Deposit Growth In the past year, DNB NATIONAL BANK has increased its total deposits by $2.52 million, resulting in 5.64% 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 DNB NATIONAL 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. DNB NATIONAL BANK has $58.34 million in assets with $6.37 million in equity, resulting in a capitalization level of 10.92%, which is above average.

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