Falcon National Bank

Falcon National Bank is headquartered in Foley and is the 139^th largest bank in the state of Minnesota. It is also the 4,307^th largest bank in the nation. It was established in 2003 and as of March of 2012, it had grown to 26 employees at 2 locations. Falcon National Bank has a 5-star health rating.

Falcon National Bank CD Rates

Data for Q1 2012

Institution Statistics Falcon National Bank FDIC Certificate # 57603 BankRate Report View Year Established 2003 Employees 26 Primary Regulator OCC Assets and Liabilities Assets $127.65 million Loans $91.84 million Deposits $114.44 million Equity Capital $12.45 million Loan Loss Allowance $1.71 million Unbacked Noncurrent Loans $702,000 Real Estate Owned $755,000 Historic Data - March 2011 Assets $118.45 million Equity Capital $11.95 million Loan Loss Allowance $1.80 million Unbacked Noncurrent Loans $2.43 million Real Estate Owned $1.46 million Profit Margin - Quarterly Net Interest Margin 4.08% Return on Assets 0.99% Return on Equity 10.26% Interest Income $1.48 million

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 Falcon National Bank had $1.46 million in non-current loans and owned real-estate with $14.16 million in equity and loan loss allowances on hand to cover it. This gives Falcon National Bank a Texas Ratio of 10.29% 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 Falcon National Bank decreased significantly from 28.28% as of March 31, 2011 to 10.29% as of March 31, 2012, resulting in a positive change of 63.60%.This indicates that the balance sheet and financial strength for Falcon National Bank has improved significantly in recent periods. Deposit Growth In the past year, Falcon National Bank has increased its total deposits by $8.53 million, resulting in 8.05% 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 Falcon 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. Falcon National Bank has $127.65 million in assets with $14.16 million in equity, resulting in a capitalization level of 11.09%, which is above average.

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