Highland Bank

Highland Bank is headquartered in Saint Michael and is the 24^th largest bank in the state of Minnesota. It is also the 1,419^st largest bank in the nation. It was established in 1943 and as of March of 2012, it had grown to 97 employees at 6 locations. Highland Bank has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Highland Bank FDIC Certificate # 16111 BankRate Report View Year Established 1943 Employees 97 Primary Regulator FDIC Assets and Liabilities Assets $474.34 million Loans $223.62 million Deposits $359.61 million Equity Capital $37.06 million Loan Loss Allowance $6.25 million Unbacked Noncurrent Loans $2.52 million Real Estate Owned $15.60 million Historic Data - March 2011 Assets $466.88 million Equity Capital $32.96 million Loan Loss Allowance $7.87 million Unbacked Noncurrent Loans $17.62 million Real Estate Owned $12.70 million Profit Margin - Quarterly Net Interest Margin 3.99% Return on Assets 1.29% Return on Equity 16.87% Interest Income $5.45 million

Institution Health Overall Score: 3 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 Highland Bank had $18.12 million in non-current loans and owned real-estate with $43.31 million in equity and loan loss allowances on hand to cover it. This gives Highland Bank a Texas Ratio of 41.85% 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 Highland Bank decreased significantly from 78.71% as of March 31, 2011 to 41.85% as of March 31, 2012, resulting in a positive change of 46.83%.This indicates that the balance sheet and financial strength for Highland Bank has improved significantly in recent periods. Deposit Growth In the past year, Highland Bank has increased its total deposits by $12.69 million, resulting in 3.66% 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 Highland 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. Highland Bank has $474.34 million in assets with $43.31 million in equity, resulting in a capitalization level of 9.13%, which is average.

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