First PREMIER Bank

First PREMIER Bank is headquartered in Sioux Falls and is the 7^th largest bank in the state of South Dakota. It is also the 576^th largest bank in the nation. It was established in 1914 and as of March of 2012, it had grown to 280 employees at 17 locations. First PREMIER Bank has a 4-star health rating.

First PREMIER Bank Routing Number: 091408598

Data for Q1 2012

Institution Statistics First PREMIER Bank FDIC Certificate # 6085 BankRate Report View Year Established 1914 Employees 280 Primary Regulator FED Assets and Liabilities Assets $1.14 billion Loans $631.15 million Deposits $905.89 million Equity Capital $176.45 million Loan Loss Allowance $9.62 million Unbacked Noncurrent Loans $10.27 million Real Estate Owned $118,000 Historic Data - March 2011 Assets $1.22 billion Equity Capital $169.39 million Loan Loss Allowance $8.99 million Unbacked Noncurrent Loans $11.42 million Real Estate Owned $737,000 Profit Margin - Quarterly Net Interest Margin 3.73% Return on Assets 1.97% Return on Equity 12.7% Interest Income $12.35 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 PREMIER Bank had $10.39 million in non-current loans and owned real-estate with $186.07 million in equity and loan loss allowances on hand to cover it. This gives First PREMIER Bank a Texas Ratio of 5.58% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First PREMIER Bank decreased slightly from 6.95% as of March 31, 2011 to 5.58% as of March 31, 2012, resulting in a positive change of 19.68%.This indicates that the balance sheet and financial strength for First PREMIER Bank has improved slightly in recent periods. Deposit Growth In the past year, First PREMIER Bank has decreased its total deposits by -$89.06 million, resulting in -8.95% 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 PREMIER Bank has shown is poor. 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 PREMIER Bank has $1.14 billion in assets with $186.07 million in equity, resulting in a capitalization level of 16.33%, which is excellent.

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