Lake Elmo Bank

Lake Elmo Bank is headquartered in Lake Elmo and is the 51^st largest bank in the state of Minnesota. It is also the 2,264^th largest bank in the nation. It was established in 1911 and as of March of 2012, it had grown to 76 employees at 6 locations. Lake Elmo Bank has a 4-star health rating.

Lake Elmo Bank Routing Number: 091910196

Data for Q1 2012

Institution Statistics Lake Elmo Bank FDIC Certificate # 15443 BankRate Report View Year Established 1911 Employees 76 Primary Regulator FDIC Assets and Liabilities Assets $288.11 million Loans $155.54 million Deposits $255.29 million Equity Capital $24.91 million Loan Loss Allowance $5.03 million Unbacked Noncurrent Loans $4.20 million Real Estate Owned $3.64 million Historic Data - March 2011 Assets $270.50 million Equity Capital $24.30 million Loan Loss Allowance $5.33 million Unbacked Noncurrent Loans $6.48 million Real Estate Owned $5.35 million Profit Margin - Quarterly Net Interest Margin 3.48% Return on Assets 0.49% Return on Equity 5.61% Interest Income $2.63 million

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 Lake Elmo Bank had $7.83 million in non-current loans and owned real-estate with $29.94 million in equity and loan loss allowances on hand to cover it. This gives Lake Elmo Bank a Texas Ratio of 26.17% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Lake Elmo Bank decreased slightly from 40.01% as of March 31, 2011 to 26.17% as of March 31, 2012, resulting in a positive change of 34.60%.This indicates that the balance sheet and financial strength for Lake Elmo Bank has improved slightly in recent periods. Deposit Growth In the past year, Lake Elmo Bank has increased its total deposits by $17.54 million, resulting in 7.38% 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 Lake Elmo 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. Lake Elmo Bank has $288.11 million in assets with $29.94 million in equity, resulting in a capitalization level of 10.39%, which is above average.

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