First Minnetonka City Bank

First Minnetonka City Bank is headquartered in Minnetonka and is the 87^th largest bank in the state of Minnesota. It is also the 3,194^th largest bank in the nation. It was established in 1964 and as of March of 2012, it had grown to 40 employees at 4 locations. First Minnetonka City Bank's savings rates are 44% higher than the national average, and it has a 4-star health rating.

First Minnetonka City Bank Routing Number: 091014458

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Data for Q1 2012

Institution Statistics First Minnetonka City Bank FDIC Certificate # 19188 BankRate Report View Year Established 1964 Employees 40 Primary Regulator FDIC Assets and Liabilities Assets $194.59 million Loans $107.88 million Deposits $171.73 million Equity Capital $19.28 million Loan Loss Allowance $1.48 million Unbacked Noncurrent Loans $2.65 million Real Estate Owned $444,000 Historic Data - March 2011 Assets $178.72 million Equity Capital $16.11 million Loan Loss Allowance $2.04 million Unbacked Noncurrent Loans $1.04 million Real Estate Owned $289,000 Profit Margin - Quarterly Net Interest Margin 3.4% Return on Assets 0.74% Return on Equity 7.31% Interest Income $1.78 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 Minnetonka City Bank had $3.09 million in non-current loans and owned real-estate with $20.76 million in equity and loan loss allowances on hand to cover it. This gives First Minnetonka City Bank a Texas Ratio of 14.90% 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 Minnetonka City Bank increased slightly from 7.33% as of March 31, 2011 to 14.90% as of March 31, 2012, resulting in a negative change of 103.18%. This indicates that the balance sheet and financial strength for First Minnetonka City Bank has declined slightly in recent periods. Deposit Growth In the past year, First Minnetonka City Bank has increased its total deposits by $15.55 million, resulting in 9.95% 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 Minnetonka City 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 Minnetonka City Bank has $194.59 million in assets with $20.76 million in equity, resulting in a capitalization level of 10.67%, which is above average.

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