Marshall County State Bank

Marshall County State Bank is headquartered in Newfolden and is the 343^rd largest bank in the state of Minnesota. It is also the 7,007^th largest bank in the nation. It was established in 1922 and as of March of 2012, it had grown to 6 employees at 1 location. Marshall County State Bank has a 5-star health rating.

Marshall County State Bank Routing Number: 091215435

Data for Q1 2012

Institution Statistics Marshall County State Bank FDIC Certificate # 9752 BankRate Report View Year Established 1922 Employees 6 Primary Regulator FDIC Assets and Liabilities Assets $27.59 million Loans $8.97 million Deposits $22.45 million Equity Capital $5.09 million Loan Loss Allowance $333,000 Unbacked Noncurrent Loans $66,000 Historic Data - March 2011 Assets $24.70 million Equity Capital $5.22 million Loan Loss Allowance $326,000 Unbacked Noncurrent Loans $36,000 Profit Margin - Quarterly Net Interest Margin 2.3% Return on Assets 0.68% Return on Equity 3.71% Interest Income $176,000

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 Marshall County State Bank had $66,000 in non-current loans and owned real-estate with $5.42 million in equity and loan loss allowances on hand to cover it. This gives Marshall County State Bank a Texas Ratio of 1.22% 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 Marshall County State Bank held steady from 0.65% as of March 31, 2011 to 1.22% as of March 31, 2012, resulting in a negative change of 87.46%. This indicates that the balance sheet and financial strength for Marshall County State Bank has held steady in recent periods. Deposit Growth In the past year, Marshall County State Bank has increased its total deposits by $3.03 million, resulting in 15.6% 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 Marshall County 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. Marshall County State Bank has $27.59 million in assets with $5.42 million in equity, resulting in a capitalization level of 19.64%, which is excellent.

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