First Community Bank Lester Prairie

First Community Bank Lester Prairie is headquartered in Lester Prairie and is the 339^th largest bank in the state of Minnesota. It is also the 6,998^th largest bank in the nation. It was established in 1913 and as of March of 2012, it had grown to 9 employees at 1 location. First Community Bank Lester Prairie has a 4-star health rating.

Data for Q1 2012

Institution Statistics First Community Bank Lester Prairie FDIC Certificate # 8535 BankRate Report View Year Established 1913 Employees 9 Primary Regulator FDIC Assets and Liabilities Assets $28.11 million Loans $14.77 million Deposits $24.62 million Equity Capital $2.69 million Loan Loss Allowance $320,000 Unbacked Noncurrent Loans $206,000 Real Estate Owned $342,000 Historic Data - March 2011 Assets $26.45 million Equity Capital $2.32 million Loan Loss Allowance $410,000 Unbacked Noncurrent Loans $668,000 Real Estate Owned $504,000 Profit Margin - Quarterly Net Interest Margin 4.1% Return on Assets 2.31% Return on Equity 23.83% Interest Income $290,000

Institution Health Overall Score: 4 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 Community Bank Lester Prairie had $548,000 in non-current loans and owned real-estate with $3.01 million in equity and loan loss allowances on hand to cover it. This gives First Community Bank Lester Prairie a Texas Ratio of 18.21% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Community Bank Lester Prairie decreased significantly from 42.88% as of March 31, 2011 to 18.21% as of March 31, 2012, resulting in a positive change of 57.55%.This indicates that the balance sheet and financial strength for First Community Bank Lester Prairie has improved significantly in recent periods. Deposit Growth In the past year, First Community Bank Lester Prairie has increased its total deposits by $858,000, resulting in 3.61% 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 Community Bank Lester Prairie 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 Community Bank Lester Prairie has $28.11 million in assets with $3.01 million in equity, resulting in a capitalization level of 10.71%, which is above average.

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