First State Bank of North Dakota

First State Bank of North Dakota is headquartered in Arthur and is the 19^st largest bank in the state of North Dakota. It is also the 2,409^th largest bank in the nation. It was established in 1905 and as of March of 2012, it had grown to 78 employees at 10 locations. First State Bank of North Dakota's savings rates are 19% higher than the national average, and it has a 4-star health rating.

First State Bank of North Dakota Routing Number: 091305044

First State Bank of North Dakota Checking Account Rates

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Data for Q1 2012

Institution Statistics First State Bank of North Dakota FDIC Certificate # 8387 BankRate Report View Year Established 1905 Employees 78 Primary Regulator FDIC Assets and Liabilities Assets $267.53 million Loans $223.44 million Deposits $234.86 million Equity Capital $31.31 million Loan Loss Allowance $2.44 million Unbacked Noncurrent Loans $3.41 million Historic Data - March 2011 Assets $267.81 million Equity Capital $29.72 million Loan Loss Allowance $2.33 million Unbacked Noncurrent Loans $3.53 million Profit Margin - Quarterly Net Interest Margin 4.95% Return on Assets 1.36% Return on Equity 12.12% Interest Income $3.39 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 State Bank of North Dakota had $3.41 million in non-current loans and owned real-estate with $33.75 million in equity and loan loss allowances on hand to cover it. This gives First State Bank of North Dakota a Texas Ratio of 10.10% 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 State Bank of North Dakota held steady from 10.18% as of March 31, 2011 to 10.10% as of March 31, 2012, resulting in a positive change of 0.82%.This indicates that the balance sheet and financial strength for First State Bank of North Dakota has held steady in recent periods. Deposit Growth In the past year, First State Bank of North Dakota has decreased its total deposits by -$1.95 million, resulting in -0.83% 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 State Bank of North Dakota has shown is 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 State Bank of North Dakota has $267.53 million in assets with $33.75 million in equity, resulting in a capitalization level of 12.62%, which is excellent.

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