Franklin National Bank of Minneapolis

Franklin National Bank of Minneapolis is headquartered in Minneapolis and is the 122^nd largest bank in the state of Minnesota. It is also the 3,958^th largest bank in the nation. It was established in 1961 and as of March of 2012, it had grown to 39 employees at 4 locations. Franklin National Bank of Minneapolis has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Franklin National Bank of Minneapolis FDIC Certificate # 18424 BankRate Report View Year Established 1961 Employees 39 Primary Regulator OCC Assets and Liabilities Assets $145.48 million Loans $103.20 million Deposits $119.19 million Equity Capital $20.47 million Loan Loss Allowance $1.14 million Unbacked Noncurrent Loans $446,000 Real Estate Owned $3.77 million Historic Data - March 2011 Assets $130.29 million Equity Capital $19.67 million Loan Loss Allowance $1.39 million Unbacked Noncurrent Loans $2.15 million Real Estate Owned $3.97 million Profit Margin - Quarterly Net Interest Margin 5.54% Return on Assets 1.31% Return on Equity 9.15% Interest Income $1.93 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 Franklin National Bank of Minneapolis had $4.21 million in non-current loans and owned real-estate with $21.61 million in equity and loan loss allowances on hand to cover it. This gives Franklin National Bank of Minneapolis a Texas Ratio of 19.49% 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 Franklin National Bank of Minneapolis decreased slightly from 29.08% as of March 31, 2011 to 19.49% as of March 31, 2012, resulting in a positive change of 32.98%.This indicates that the balance sheet and financial strength for Franklin National Bank of Minneapolis has improved slightly in recent periods. Deposit Growth In the past year, Franklin National Bank of Minneapolis has increased its total deposits by $14.45 million, resulting in 13.8% 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 Franklin National Bank of Minneapolis 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. Franklin National Bank of Minneapolis has $145.48 million in assets with $21.61 million in equity, resulting in a capitalization level of 14.85%, which is excellent.

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