Lincoln State Bank (ND)

Lincoln State Bank (ND) is headquartered in Hankinson and is the 67^th largest bank in the state of North Dakota. It is also the 6,153^rd largest bank in the nation. It was established in 1903 and as of March of 2012, it had grown to 15 employees at 3 locations. Lincoln State Bank (ND) has a 5-star health rating.

Data for Q1 2012

Institution Statistics Lincoln State Bank FDIC Certificate # 8390 BankRate Report View Year Established 1903 Employees 15 Primary Regulator FDIC Assets and Liabilities Assets $56.97 million Loans $25.07 million Deposits $52.33 million Equity Capital $4.47 million Loan Loss Allowance $319,000 Unbacked Noncurrent Loans $83,000 Historic Data - March 2011 Assets $53.76 million Equity Capital $4.02 million Loan Loss Allowance $302,000 Unbacked Noncurrent Loans $243,000 Real Estate Owned $17,000 Profit Margin - Quarterly Net Interest Margin 3.24% Return on Assets 0.93% Return on Equity 11.65% Interest Income $510,000

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 Lincoln State Bank (ND) had $83,000 in non-current loans and owned real-estate with $4.79 million in equity and loan loss allowances on hand to cover it. This gives Lincoln State Bank (ND) a Texas Ratio of 1.73% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Lincoln State Bank (ND) decreased significantly from 6.02% as of March 31, 2011 to 1.73% as of March 31, 2012, resulting in a positive change of 71.24%.This indicates that the balance sheet and financial strength for Lincoln State Bank (ND) has improved significantly in recent periods. Deposit Growth In the past year, Lincoln State Bank (ND) has increased its total deposits by $2.75 million, resulting in 5.54% 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 Lincoln State Bank (ND) 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. Lincoln State Bank (ND) has $56.97 million in assets with $4.79 million in equity, resulting in a capitalization level of 8.41%, which is average.

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