Mid-Central Federal Savings Bank

Mid-Central Federal Savings Bank is headquartered in Wadena and is the 173^rd largest bank in the state of Minnesota. It is also the 4,995^th largest bank in the nation. It was established in 1957 and as of March of 2012, it had grown to 38 employees at 3 locations. Mid-Central Federal Savings Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics Mid-Central Federal Savings Bank OTS # 06149 FDIC Certificate # 30943 BankRate Report View Year Established 1957 Employees 38 Primary Regulator OCC Assets and Liabilities Assets $98.32 million Loans $77.57 million Deposits $85.07 million Equity Capital $7.99 million Loan Loss Allowance $832,000 Unbacked Noncurrent Loans $480,000 Real Estate Owned $1.08 million Historic Data - March 2011 Assets $99.56 million Equity Capital $7.38 million Loan Loss Allowance $641,000 Unbacked Noncurrent Loans $688,000 Real Estate Owned $1.60 million Profit Margin - Quarterly Net Interest Margin 4.65% Return on Assets 0.75% Return on Equity 9.18% Interest Income $1.30 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 Mid-Central Federal Savings Bank had $1.56 million in non-current loans and owned real-estate with $8.82 million in equity and loan loss allowances on hand to cover it. This gives Mid-Central Federal Savings Bank a Texas Ratio of 17.70% 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 Mid-Central Federal Savings Bank decreased slightly from 28.53% as of March 31, 2011 to 17.70% as of March 31, 2012, resulting in a positive change of 37.94%.This indicates that the balance sheet and financial strength for Mid-Central Federal Savings Bank has improved slightly in recent periods. Deposit Growth In the past year, Mid-Central Federal Savings Bank has increased its total deposits by $4.13 million, resulting in 5.11% 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 Mid-Central Federal Savings 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. Mid-Central Federal Savings Bank has $98.32 million in assets with $8.82 million in equity, resulting in a capitalization level of 8.97%, which is average.

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