Mt. McKinley Bank

Mt. McKinley Bank is headquartered in Fairbanks and is the 4^th largest bank in the state of Alaska. It is also the 2,093^rd largest bank in the nation. It was established in 1965 and as of March of 2012, it had grown to 78 employees at 5 locations. Mt. McKinley Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics Mt. McKinley Bank FDIC Certificate # 19525 BankRate Report View Year Established 1965 Employees 78 Primary Regulator FDIC Assets and Liabilities Assets $311.30 million Loans $101.37 million Deposits $246.32 million Equity Capital $62.94 million Loan Loss Allowance $1.74 million Unbacked Noncurrent Loans $1.14 million Historic Data - March 2011 Assets $307.77 million Equity Capital $58.47 million Loan Loss Allowance $1.88 million Unbacked Noncurrent Loans $1.10 million Real Estate Owned $419,000 Profit Margin - Quarterly Net Interest Margin 4.03% Return on Assets 1.05% Return on Equity 5.19% Interest Income $2.95 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 Mt. McKinley Bank had $1.14 million in non-current loans and owned real-estate with $64.68 million in equity and loan loss allowances on hand to cover it. This gives Mt. McKinley Bank a Texas Ratio of 1.76% 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 Mt. McKinley Bank decreased slightly from 2.52% as of March 31, 2011 to 1.76% as of March 31, 2012, resulting in a positive change of 30.00%.This indicates that the balance sheet and financial strength for Mt. McKinley Bank has improved slightly in recent periods. Deposit Growth In the past year, Mt. McKinley Bank has increased its total deposits by $949,000, resulting in 0.39% 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 Mt. McKinley Bank has shown is average. 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. Mt. McKinley Bank has $311.3 million in assets with $64.68 million in equity, resulting in a capitalization level of 20.78%, which is excellent.

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