Garrison State Bank and Trust

Garrison State Bank and Trust is headquartered in Garrison and is the 45^th largest bank in the state of North Dakota. It is also the 5,086^th largest bank in the nation. It was established in 1935 and as of March of 2012, it had grown to 30 employees at 1 location. Garrison State Bank and Trust has a 5-star health rating.

Garrison State Bank and Trust Routing Number: 091302720

Data for Q1 2012

Institution Statistics Garrison State Bank and Trust FDIC Certificate # 15306 BankRate Report View Year Established 1935 Employees 30 Primary Regulator FDIC Assets and Liabilities Assets $94.80 million Loans $59.53 million Deposits $83.53 million Equity Capital $8.44 million Loan Loss Allowance $1.18 million Unbacked Noncurrent Loans $19,000 Historic Data - March 2011 Assets $83.78 million Equity Capital $7.63 million Loan Loss Allowance $1.08 million Unbacked Noncurrent Loans $340,000 Profit Margin - Quarterly Net Interest Margin 4.04% Return on Assets 0.97% Return on Equity 10.52% Interest Income $1.07 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 March 31, 2012 Garrison State Bank and Trust had $19,000 in non-current loans and owned real-estate with $9.62 million in equity and loan loss allowances on hand to cover it. This gives Garrison State Bank and Trust a Texas Ratio of 0.20% 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 Garrison State Bank and Trust decreased significantly from 3.91% as of March 31, 2011 to 0.20% as of March 31, 2012, resulting in a positive change of 94.95%.This indicates that the balance sheet and financial strength for Garrison State Bank and Trust has improved significantly in recent periods. Deposit Growth In the past year, Garrison State Bank and Trust has increased its total deposits by $8.88 million, resulting in 11.89% 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 Garrison State Bank and 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. Garrison State Bank and Trust has $94.8 million in assets with $9.62 million in equity, resulting in a capitalization level of 10.15%, which is above average.

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