Heartland State Bank

Heartland State Bank is headquartered in Edgeley and is the 64^th largest bank in the state of North Dakota. It is also the 6,113^st largest bank in the nation. It was established in 1921 and as of March of 2012, it had grown to 16 employees at 3 locations. Heartland State Bank's savings rates are 73% higher than the national average, and it boasts a 5-star health rating.

Heartland State Bank Routing Number: 091310631

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Data for Q1 2012

Institution Statistics Heartland State Bank FDIC Certificate # 3919 BankRate Report View Year Established 1921 Employees 16 Primary Regulator FED Assets and Liabilities Assets $58.32 million Loans $28.93 million Deposits $49.44 million Equity Capital $6.67 million Loan Loss Allowance $463,000 Historic Data - March 2011 Assets $59.05 million Equity Capital $6.51 million Loan Loss Allowance $417,000 Profit Margin - Quarterly Net Interest Margin 3.72% Return on Assets 0.72% Return on Equity 6.22% Interest Income $535,000

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 Heartland State Bank had $0 in non-current loans and owned real-estate with $7.13 million in equity and loan loss allowances on hand to cover it. This gives Heartland State Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Heartland State Bank has increased its total deposits by $1.59 million, resulting in 3.33% 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 Heartland State 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. Heartland State Bank has $58.32 million in assets with $7.13 million in equity, resulting in a capitalization level of 12.23%, which is excellent.

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