Grand Timber Bank

Grand Timber Bank is headquartered in Mcgregor and is the 293^rd largest bank in the state of Minnesota. It is also the 6,584^th largest bank in the nation. It was established in 1963 and as of March of 2012, it had grown to 12 employees at 1 location. Grand Timber Bank has a 4-star health rating.

Grand Timber Bank Routing Number: 091216780

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Data for Q1 2012

Institution Statistics Grand Timber Bank FDIC Certificate # 18719 BankRate Report View Year Established 1963 Employees 12 Primary Regulator FDIC Assets and Liabilities Assets $42.60 million Loans $30.16 million Deposits $37.63 million Equity Capital $4.87 million Loan Loss Allowance $1.20 million Unbacked Noncurrent Loans $1.54 million Real Estate Owned $1.53 million Historic Data - March 2011 Assets $41.81 million Equity Capital $4.79 million Loan Loss Allowance $1.12 million Unbacked Noncurrent Loans $1.40 million Real Estate Owned $2.30 million Profit Margin - Quarterly Net Interest Margin 5.13% Return on Assets 1.76% Return on Equity 15.74% Interest Income $581,000

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 Grand Timber Bank had $3.07 million in non-current loans and owned real-estate with $6.07 million in equity and loan loss allowances on hand to cover it. This gives Grand Timber Bank a Texas Ratio of 50.49% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Grand Timber Bank decreased slightly from 62.51% as of March 31, 2011 to 50.49% as of March 31, 2012, resulting in a positive change of 19.24%.This indicates that the balance sheet and financial strength for Grand Timber Bank has improved slightly in recent periods. Deposit Growth In the past year, Grand Timber Bank has increased its total deposits by $697,000, resulting in 1.89% 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 Grand Timber Bank has shown is above 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. Grand Timber Bank has $42.6 million in assets with $6.07 million in equity, resulting in a capitalization level of 14.26%, which is excellent.

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