Elysian Bank

Elysian Bank is headquartered in Elysian and is the 292^nd largest bank in the state of Minnesota. It is also the 6,566^th largest bank in the nation. It was established in 1907 and as of March of 2012, it had grown to 8 employees at 1 location. Elysian Bank has a 3-star health rating.

Elysian Bank Routing Number: 091907374

Data for Q1 2012

Institution Statistics Elysian Bank FDIC Certificate # 10185 BankRate Report View Year Established 1907 Employees 8 Primary Regulator FDIC Assets and Liabilities Assets $43.04 million Loans $18.02 million Deposits $39.43 million Equity Capital $3.49 million Loan Loss Allowance $583,000 Unbacked Noncurrent Loans $1.93 million Real Estate Owned $621,000 Historic Data - March 2011 Assets $40.06 million Equity Capital $3.85 million Loan Loss Allowance $604,000 Unbacked Noncurrent Loans $1.67 million Real Estate Owned $542,000 Profit Margin - Quarterly Net Interest Margin 3.93% Return on Assets 0.71% Return on Equity 8.57% Interest Income $412,000

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 Elysian Bank had $2.56 million in non-current loans and owned real-estate with $4.07 million in equity and loan loss allowances on hand to cover it. This gives Elysian Bank a Texas Ratio of 62.73% 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 Elysian Bank increased slightly from 49.58% as of March 31, 2011 to 62.73% as of March 31, 2012, resulting in a negative change of 26.51%. This indicates that the balance sheet and financial strength for Elysian Bank has declined slightly in recent periods. Deposit Growth In the past year, Elysian Bank has increased its total deposits by $3.33 million, resulting in 9.23% 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 Elysian 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. Elysian Bank has $43.04 million in assets with $4.07 million in equity, resulting in a capitalization level of 9.46%, which is average.

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