First Bank Blue Earth

First Bank Blue Earth is headquartered in Blue Earth and is the 108^th largest bank in the state of Minnesota. It is also the 3,655^th largest bank in the nation. It was established in 1869 and as of March of 2012, it had grown to 28 employees at 1 location. First Bank Blue Earth has a 5-star health rating.

First Bank Blue Earth Routing Number: 091201915

Data for Q1 2012

Institution Statistics First Bank Blue Earth FDIC Certificate # 5097 BankRate Report View Year Established 1869 Employees 28 Primary Regulator FED Assets and Liabilities Assets $162.69 million Loans $110.87 million Deposits $141.77 million Equity Capital $18.35 million Loan Loss Allowance $2.01 million Unbacked Noncurrent Loans $802,000 Real Estate Owned $1.34 million Historic Data - March 2011 Assets $156.65 million Equity Capital $16.06 million Loan Loss Allowance $2.16 million Unbacked Noncurrent Loans $2.65 million Real Estate Owned $1.88 million Profit Margin - Quarterly Net Interest Margin 3.77% Return on Assets 1.94% Return on Equity 17.61% Interest Income $1.71 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 First Bank Blue Earth had $2.14 million in non-current loans and owned real-estate with $20.36 million in equity and loan loss allowances on hand to cover it. This gives First Bank Blue Earth a Texas Ratio of 10.52% 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 First Bank Blue Earth decreased significantly from 24.83% as of March 31, 2011 to 10.52% as of March 31, 2012, resulting in a positive change of 57.62%.This indicates that the balance sheet and financial strength for First Bank Blue Earth has improved significantly in recent periods. Deposit Growth In the past year, First Bank Blue Earth has increased its total deposits by $5.11 million, resulting in 3.74% 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 First Bank Blue Earth has shown is above average. 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. First Bank Blue Earth has $162.69 million in assets with $20.36 million in equity, resulting in a capitalization level of 12.51%, which is excellent.

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