Eitzen State Bank

Eitzen State Bank is headquartered in Caledonia and is the 206^th largest bank in the state of Minnesota. It is also the 5,461^st largest bank in the nation. It was established in 1909 and as of March of 2012, it had grown to 14 employees at 2 locations. Eitzen State Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics Eitzen State Bank FDIC Certificate # 10980 BankRate Report View Year Established 1909 Employees 14 Primary Regulator FDIC Assets and Liabilities Assets $80.39 million Loans $47.10 million Deposits $65.85 million Equity Capital $7.19 million Loan Loss Allowance $614,000 Unbacked Noncurrent Loans $72,000 Real Estate Owned $521,000 Historic Data - March 2011 Assets $73.44 million Equity Capital $6.14 million Loan Loss Allowance $524,000 Unbacked Noncurrent Loans $978,000 Real Estate Owned $553,000 Profit Margin - Quarterly Net Interest Margin 2.95% Return on Assets 1.5% Return on Equity 16.87% Interest Income $843,000

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 Eitzen State Bank had $593,000 in non-current loans and owned real-estate with $7.81 million in equity and loan loss allowances on hand to cover it. This gives Eitzen State Bank a Texas Ratio of 7.60% 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 Eitzen State Bank decreased significantly from 22.96% as of March 31, 2011 to 7.60% as of March 31, 2012, resulting in a positive change of 66.91%.This indicates that the balance sheet and financial strength for Eitzen State Bank has improved significantly in recent periods. Deposit Growth In the past year, Eitzen State Bank has increased its total deposits by $4.99 million, resulting in 8.19% 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 Eitzen 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. Eitzen State Bank has $80.39 million in assets with $7.81 million in equity, resulting in a capitalization level of 9.71%, which is average.

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