Frandsen Bank & Trust

Frandsen Bank & Trust is headquartered in Lonsdale and is the 5^th largest bank in the state of Minnesota. It is also the 458^th largest bank in the nation. It was established in 1901 and as of March of 2012, it had grown to 310 employees at 38 locations. Frandsen Bank & Trust has a 4-star health rating.

Data for Q1 2012

Institution Statistics Frandsen Bank & Trust FDIC Certificate # 1399 BankRate Report View Year Established 1901 Employees 310 Primary Regulator FDIC Assets and Liabilities Assets $1.44 billion Loans $781.81 million Deposits $1.21 billion Equity Capital $187.63 million Loan Loss Allowance $17.16 million Unbacked Noncurrent Loans $20.31 million Real Estate Owned $13.20 million Historic Data - March 2011 Assets $1.13 billion Equity Capital $145.59 million Loan Loss Allowance $14.44 million Unbacked Noncurrent Loans $21.06 million Real Estate Owned $13.16 million Profit Margin - Quarterly Net Interest Margin 4.05% Return on Assets 1.17% Return on Equity 9.03% Interest Income $14.24 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 Frandsen Bank & Trust had $33.52 million in non-current loans and owned real-estate with $204.79 million in equity and loan loss allowances on hand to cover it. This gives Frandsen Bank & Trust a Texas Ratio of 16.37% 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 Frandsen Bank & Trust decreased slightly from 21.36% as of March 31, 2011 to 16.37% as of March 31, 2012, resulting in a positive change of 23.37%.This indicates that the balance sheet and financial strength for Frandsen Bank & Trust has improved slightly in recent periods. Deposit Growth In the past year, Frandsen Bank & Trust has increased its total deposits by $258.56 million, resulting in 27.19% 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 Frandsen Bank & Trust 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. Frandsen Bank & Trust has $1.44 billion in assets with $204.79 million in equity, resulting in a capitalization level of 14.19%, which is excellent.

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