Level One Bank

Level One Bank is headquartered in Farmington Hills and is the 23^rd largest bank in the state of Michigan. It is also the 1,497^th largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 109 employees at 6 locations. Level One Bank has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Level One Bank FDIC Certificate # 58604 BankRate Report View Year Established 2007 Employees 109 Primary Regulator FDIC Assets and Liabilities Assets $447.34 million Loans $315.23 million Deposits $370.68 million Equity Capital $59.22 million Loan Loss Allowance $3.92 million Unbacked Noncurrent Loans $7.48 million Historic Data - March 2011 Assets $418.96 million Equity Capital $43.82 million Loan Loss Allowance $2.14 million Unbacked Noncurrent Loans $501,000 Profit Margin - Quarterly Net Interest Margin 3.94% Return on Assets 0.89% Return on Equity 6.93% Interest Income $4.58 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 Level One Bank had $7.48 million in non-current loans and owned real-estate with $63.14 million in equity and loan loss allowances on hand to cover it. This gives Level One Bank a Texas Ratio of 11.85% 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 Level One Bank increased slightly from 1.09% as of March 31, 2011 to 11.85% as of March 31, 2012, resulting in a negative change of 986.85%. This indicates that the balance sheet and financial strength for Level One Bank has declined slightly in recent periods. Deposit Growth In the past year, Level One Bank has increased its total deposits by $13.1 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 Level One 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. Level One Bank has $447.34 million in assets with $63.14 million in equity, resulting in a capitalization level of 14.12%, which is excellent.

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