Minnesota National Bank

Minnesota National Bank is headquartered in Sauk Centre and is the 84^th largest bank in the state of Minnesota. It is also the 3,148^th largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 48 employees at 4 locations. Minnesota National Bank has a 5-star health rating.

Minnesota National Bank Routing Number: 091902065

Data for Q1 2012

Institution Statistics Minnesota National Bank FDIC Certificate # 5249 BankRate Report View Year Established 1902 Employees 48 Primary Regulator OCC Assets and Liabilities Assets $197.69 million Loans $103.68 million Deposits $169.79 million Equity Capital $23.01 million Loan Loss Allowance $1.48 million Unbacked Noncurrent Loans $1.18 million Real Estate Owned $2.38 million Historic Data - March 2011 Assets $185.79 million Equity Capital $22.43 million Loan Loss Allowance $1.86 million Unbacked Noncurrent Loans $2.13 million Real Estate Owned $2.46 million Profit Margin - Quarterly Net Interest Margin 3.39% Return on Assets 0.9% Return on Equity 7.7% Interest Income $1.90 million

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 Minnesota National Bank had $3.57 million in non-current loans and owned real-estate with $24.49 million in equity and loan loss allowances on hand to cover it. This gives Minnesota National Bank a Texas Ratio of 14.56% 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 Minnesota National Bank decreased slightly from 19.32% as of March 31, 2011 to 14.56% as of March 31, 2012, resulting in a positive change of 24.64%.This indicates that the balance sheet and financial strength for Minnesota National Bank has improved slightly in recent periods. Deposit Growth In the past year, Minnesota National Bank has increased its total deposits by $17.23 million, resulting in 11.3% 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 Minnesota National 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. Minnesota National Bank has $197.69 million in assets with $24.49 million in equity, resulting in a capitalization level of 12.39%, which is excellent.

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