Lowry State Bank

Lowry State Bank is headquartered in Lowry and is the 306^th largest bank in the state of Minnesota. It is also the 6,747^th largest bank in the nation. It was established in 1899 and as of March of 2012, it had grown to 9 employees at 1 location. Lowry State Bank's savings rates are 44% higher than the national average, and it has a 3-star health rating.

Lowry State Bank Routing Number: 091208332

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Data for Q1 2012

Institution Statistics Lowry State Bank FDIC Certificate # 10202 BankRate Report View Year Established 1899 Employees 9 Primary Regulator FDIC Assets and Liabilities Assets $37.85 million Loans $31.56 million Deposits $31.94 million Equity Capital $3.32 million Loan Loss Allowance $377,000 Unbacked Noncurrent Loans $905,000 Real Estate Owned $195,000 Historic Data - March 2011 Assets $36.13 million Equity Capital $3.40 million Loan Loss Allowance $415,000 Unbacked Noncurrent Loans $524,000 Profit Margin - Quarterly Net Interest Margin 4.94% Return on Assets 1.7% Return on Equity 18.9% Interest Income $529,000

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 Lowry State Bank had $1.1 million in non-current loans and owned real-estate with $3.7 million in equity and loan loss allowances on hand to cover it. This gives Lowry State Bank a Texas Ratio of 29.74% 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 Lowry State Bank increased slightly from 13.75% as of March 31, 2011 to 29.74% as of March 31, 2012, resulting in a negative change of 116.22%. This indicates that the balance sheet and financial strength for Lowry State Bank has declined slightly in recent periods. Deposit Growth In the past year, Lowry State Bank has increased its total deposits by $1.83 million, resulting in 6.09% 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 Lowry State 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. Lowry State Bank has $37.85 million in assets with $3.7 million in equity, resulting in a capitalization level of 9.77%, which is average.

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