First Dakota National Bank

First Dakota National Bank is headquartered in Yankton and is the 10^st largest bank in the state of South Dakota. It is also the 786^th largest bank in the nation. It was established in 1872 and as of March of 2012, it had grown to 244 employees at 14 locations. First Dakota National Bank's savings rates are 19% higher than the national average, and it has a 4-star health rating.

First Dakota National Bank Routing Number: 091400486

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Data for Q1 2012

Institution Statistics First Dakota National Bank FDIC Certificate # 4028 BankRate Report View Year Established 1872 Employees 244 Primary Regulator OCC Assets and Liabilities Assets $835.83 million Loans $650.54 million Deposits $745.35 million Equity Capital $84.56 million Loan Loss Allowance $8.03 million Unbacked Noncurrent Loans $4.79 million Real Estate Owned $13.19 million Historic Data - March 2011 Assets $765.38 million Equity Capital $76.92 million Loan Loss Allowance $8.32 million Unbacked Noncurrent Loans $14.82 million Real Estate Owned $12.02 million Profit Margin - Quarterly Net Interest Margin 5% Return on Assets 1.35% Return on Equity 13.69% Interest Income $10.88 million

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 Dakota National Bank had $17.97 million in non-current loans and owned real-estate with $92.59 million in equity and loan loss allowances on hand to cover it. This gives First Dakota National Bank a Texas Ratio of 19.41% 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 Dakota National Bank decreased slightly from 31.49% as of March 31, 2011 to 19.41% as of March 31, 2012, resulting in a positive change of 38.36%.This indicates that the balance sheet and financial strength for First Dakota National Bank has improved slightly in recent periods. Deposit Growth In the past year, First Dakota National Bank has increased its total deposits by $60.63 million, resulting in 8.85% 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 Dakota 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. First Dakota National Bank has $835.82 million in assets with $92.59 million in equity, resulting in a capitalization level of 11.08%, which is above average.

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