Lakeview Bank

Lakeview Bank is headquartered in Lakeville and is the 276^th largest bank in the state of Minnesota. It is also the 6,344^th largest bank in the nation. It was established in 2004 and as of March of 2012, it had grown to 10 employees at 1 location. Lakeview Bank has a 3-star health rating.

Data for Q1 2012

Institution Statistics Lakeview Bank FDIC Certificate # 57785 BankRate Report View Year Established 2004 Employees 10 Primary Regulator FDIC Assets and Liabilities Assets $50.75 million Loans $35.10 million Deposits $44.55 million Equity Capital $5.76 million Loan Loss Allowance $662,000 Unbacked Noncurrent Loans $1.98 million Real Estate Owned $2.68 million Historic Data - March 2011 Assets $53.23 million Equity Capital $5.38 million Loan Loss Allowance $1.60 million Unbacked Noncurrent Loans $4.53 million Real Estate Owned $2.72 million Profit Margin - Quarterly Net Interest Margin 4.35% Return on Assets 0.52% Return on Equity 4.55% Interest Income $544,000

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 Lakeview Bank had $4.66 million in non-current loans and owned real-estate with $6.42 million in equity and loan loss allowances on hand to cover it. This gives Lakeview Bank a Texas Ratio of 72.50% 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 Lakeview Bank decreased slightly from 103.94% as of March 31, 2011 to 72.50% as of March 31, 2012, resulting in a positive change of 30.25%.This indicates that the balance sheet and financial strength for Lakeview Bank has improved slightly in recent periods. Deposit Growth In the past year, Lakeview Bank has decreased its total deposits by -$3.02 million, resulting in -6.35% 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 Lakeview Bank has shown is poor. 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. Lakeview Bank has $50.75 million in assets with $6.42 million in equity, resulting in a capitalization level of 12.65%, which is excellent.

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