Hillsdale County National Bank

Hillsdale County National Bank is headquartered in Hillsdale and is the 26^th largest bank in the state of Michigan. It is also the 1,669^th largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 147 employees at 13 locations. Hillsdale County National Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics Hillsdale County National Bank FDIC Certificate # 14073 BankRate Report View Year Established 1934 Employees 147 Primary Regulator OCC Assets and Liabilities Assets $398.84 million Loans $314.05 million Deposits $340.96 million Equity Capital $34.54 million Loan Loss Allowance $5.84 million Unbacked Noncurrent Loans $3.23 million Real Estate Owned $1.58 million Historic Data - March 2011 Assets $362.89 million Equity Capital $32.49 million Loan Loss Allowance $5.30 million Unbacked Noncurrent Loans $5.34 million Real Estate Owned $794,000 Profit Margin - Quarterly Net Interest Margin 4.64% Return on Assets 1.12% Return on Equity 12.92% Interest Income $4.59 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 Hillsdale County National Bank had $4.8 million in non-current loans and owned real-estate with $40.38 million in equity and loan loss allowances on hand to cover it. This gives Hillsdale County National Bank a Texas Ratio of 11.89% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Hillsdale County National Bank decreased slightly from 16.14% as of March 31, 2011 to 11.89% as of March 31, 2012, resulting in a positive change of 26.33%.This indicates that the balance sheet and financial strength for Hillsdale County National Bank has improved slightly in recent periods. Deposit Growth In the past year, Hillsdale County National Bank has increased its total deposits by $17.67 million, resulting in 5.47% 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 Hillsdale County National Bank 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. Hillsdale County National Bank has $398.84 million in assets with $40.38 million in equity, resulting in a capitalization level of 10.12%, which is above average.

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