Lake Region Bank

Lake Region Bank is headquartered in New London and is the 171^st largest bank in the state of Minnesota. It is also the 4,917^st largest bank in the nation. It was established in 1915 and as of March of 2012, it had grown to 45 employees at 3 locations. Lake Region Bank has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Lake Region Bank FDIC Certificate # 10965 BankRate Report View Year Established 1915 Employees 45 Primary Regulator FDIC Assets and Liabilities Assets $101.32 million Loans $53.14 million Deposits $85.77 million Equity Capital $8.32 million Loan Loss Allowance $673,000 Unbacked Noncurrent Loans $1.23 million Real Estate Owned $1.58 million Historic Data - March 2011 Assets $95.82 million Equity Capital $7.29 million Loan Loss Allowance $693,000 Unbacked Noncurrent Loans $1.47 million Real Estate Owned $1.42 million Profit Margin - Quarterly Net Interest Margin 3.95% Return on Assets 1.15% Return on Equity 14.05% Interest Income $1.07 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 Lake Region Bank had $2.8 million in non-current loans and owned real-estate with $8.99 million in equity and loan loss allowances on hand to cover it. This gives Lake Region Bank a Texas Ratio of 31.14% 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 Lake Region Bank held steady from 35.91% as of March 31, 2011 to 31.14% as of March 31, 2012, resulting in a positive change of 13.30%.This indicates that the balance sheet and financial strength for Lake Region Bank has held steady in recent periods. Deposit Growth In the past year, Lake Region Bank has increased its total deposits by $4.97 million, resulting in 6.15% 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 Region 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 Region Bank has $101.32 million in assets with $8.99 million in equity, resulting in a capitalization level of 8.88%, which is average.

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