McIntosh County Bank

McIntosh County Bank is headquartered in Ashley and is the 47^th largest bank in the state of North Dakota. It is also the 5,246^th largest bank in the nation. It was established in 1911 and as of March of 2012, it had grown to 16 employees at 2 locations. McIntosh County Bank has a 4-star health rating.

McIntosh County Bank Routing Number: 091307275

Data for Q1 2012

Institution Statistics McIntosh County Bank FDIC Certificate # 13794 BankRate Report View Year Established 1911 Employees 16 Primary Regulator FDIC Assets and Liabilities Assets $89.02 million Loans $44.52 million Deposits $71.30 million Equity Capital $8.18 million Loan Loss Allowance $953,000 Unbacked Noncurrent Loans $1.22 million Real Estate Owned $99,000 Historic Data - March 2011 Assets $83.46 million Equity Capital $7.48 million Loan Loss Allowance $1.10 million Unbacked Noncurrent Loans $1.22 million Real Estate Owned $82,000 Profit Margin - Quarterly Net Interest Margin 3.57% Return on Assets 1.64% Return on Equity 17.63% Interest Income $887,000

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 McIntosh County Bank had $1.32 million in non-current loans and owned real-estate with $9.14 million in equity and loan loss allowances on hand to cover it. This gives McIntosh County Bank a Texas Ratio of 14.44% 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 McIntosh County Bank held steady from 15.16% as of March 31, 2011 to 14.44% as of March 31, 2012, resulting in a positive change of 4.77%.This indicates that the balance sheet and financial strength for McIntosh County Bank has held steady in recent periods. Deposit Growth In the past year, McIntosh County Bank has increased its total deposits by $5.84 million, resulting in 8.92% 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 McIntosh County 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. McIntosh County Bank has $89.02 million in assets with $9.14 million in equity, resulting in a capitalization level of 10.26%, which is above average.

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