North American Banking Company

North American Banking Company is headquartered in Roseville and is the 60^th largest bank in the state of Minnesota. It is also the 2,547^th largest bank in the nation. It was established in 1998 and as of March of 2012, it had grown to 57 employees at 4 locations. North American Banking Company's money market rates are 2X the national average, and it has a 3-star health rating.

North American Banking Company Routing Number: 096016930

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Data for Q1 2012

Institution Statistics North American Banking Company FDIC Certificate # 34836 BankRate Report View Year Established 1998 Employees 57 Primary Regulator FDIC Assets and Liabilities Assets $253.05 million Loans $175.37 million Deposits $217.20 million Equity Capital $27.80 million Loan Loss Allowance $2.97 million Unbacked Noncurrent Loans $2.71 million Real Estate Owned $8.42 million Historic Data - March 2011 Assets $261.44 million Equity Capital $26.35 million Loan Loss Allowance $3.20 million Unbacked Noncurrent Loans $1.95 million Real Estate Owned $9.44 million Profit Margin - Quarterly Net Interest Margin 4.18% Return on Assets 0.6% Return on Equity 5.45% Interest Income $2.93 million

Institution Health Overall Score: 3 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 North American Banking Company had $11.12 million in non-current loans and owned real-estate with $30.77 million in equity and loan loss allowances on hand to cover it. This gives North American Banking Company a Texas Ratio of 36.15% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for North American Banking Company held steady from 38.57% as of March 31, 2011 to 36.15% as of March 31, 2012, resulting in a positive change of 6.28%.This indicates that the balance sheet and financial strength for North American Banking Company has held steady in recent periods. Deposit Growth In the past year, North American Banking Company has decreased its total deposits by -$4.24 million, resulting in -1.91% 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 North American Banking Company has shown is below 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. North American Banking Company has $253.05 million in assets with $30.77 million in equity, resulting in a capitalization level of 12.16%, which is excellent.

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