First National Bank of Henning

First National Bank of Henning is headquartered in Ottertail and is the 181^st largest bank in the state of Minnesota. It is also the 5,143^rd largest bank in the nation. It was established in 1903 and as of September of 2011, it had grown to 23 employees at 2 locations. First National Bank of Henning has a 5-star health rating.

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Data for Q3 2011

Institution Statistics The First National Bank of Henning FDIC Certificate # 5162 BankRate Report View Year Established 1903 Employees 23 Primary Regulator OCC Assets and Liabilities Assets $93.07 million Loans $61.12 million Deposits $81.78 million Equity Capital $10.89 million Loan Loss Allowance $781,000 Unbacked Noncurrent Loans $449,000 Real Estate Owned $1.07 million Historic Data - September 2010 Assets $87.93 million Equity Capital $10.02 million Loan Loss Allowance $702,000 Unbacked Noncurrent Loans $566,000 Real Estate Owned $1.07 million Profit Margin - Quarterly Net Interest Margin 4.23% Return on Assets 1.51% Return on Equity 13.28% Interest Income $3.50 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 September 30, 2011 First National Bank of Henning had $1.52 million in non-current loans and owned real-estate with $11.67 million in equity and loan loss allowances on hand to cover it. This gives First National Bank of Henning a Texas Ratio of 13.00% 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 National Bank of Henning held steady from 13.14% as of September 30, 2010 to 13.00% as of September 30, 2011, resulting in a positive change of 1.12%.This indicates that the balance sheet and financial strength for First National Bank of Henning has held steady in recent periods. Deposit Growth In the past year, First National Bank of Henning has increased its total deposits by $4.65 million, resulting in 6.03% 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 National Bank of Henning 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 National Bank of Henning has $93.07 million in assets with $11.67 million in equity, resulting in a capitalization level of 12.54%, which is excellent.

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