North Star Bank

1820 North Lexington Avenue
Roseville, MN 55113
651-489-8811
www.northstarbank.com

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North Star Bank is headquartered in Roseville and is the 59^th largest bank in the state of Minnesota. It is also the 2,541^st largest bank in the nation. It was established in 1947 and as of March of 2012, it had grown to 48 employees at 2 locations. North Star Bank has a 2-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

North Star Bank Checking Account Rates

Apy	Min	Max	Product
0.15%	$100k	-	Execustar Checking
0.10%	$20k	-	Interest Plus Checking
0.10%	$20k	-	55 Grand Checking
0.10%	$20k	-	Employee Benefit Checking

North Star Bank Savings Account Rates

Apy	Min	Max	Product
0.15%	$10k	-	Health Savings Account
0.10%	$50	-	Star Saver Savings
0.05%	$50	-	Regular Savings

North Star Bank Money Market Rates

Apy	Min	Max	Product
0.15%	$25k	-	Five Star Money Market Savings
0.15%	$25k	-	Money Market Savings
0.15%	$10k	-	IRA Money Market Savings

North Star Bank CD Rates

Apy	Min	Max	Product
1.25%	$500	-	60 Month CD
0.95%	$500	-	48 - 59 Month CD
0.70%	$500	-	36 - 47 Month CD
0.45%	$500	-	24 - 35 Month CD
0.35%	-	-	18 - 23 Month CD
0.25%	$500	-	12 - 17 Month CD
0.15%	$500	-	182 - 269 Day CD
0.15%	$500	-	270 - 364 Day CD
0.10%	$500	-	30 - 59 Day CD
0.10%	$500	-	60 - 89 Day CD
0.10%	$500	-	90 - 181 Day CD
0.10%	$5,070	-	7 - 29 Day CD

North Star Bank IRA Rates

Apy	Min	Max	Product
1.25%	$500	-	60 Month IRA
0.95%	$500	-	48 - 59 Month IRA
0.70%	$500	-	36 - 47 Month IRA
0.45%	$500	-	24 - 35 Month IRA
0.35%	$500	-	18 - 23 Month IRA
0.25%	$500	-	12 - 17 Month IRA
0.15%	$500	-	182 - 269 Day IRA
0.15%	$500	-	270 - 364 Day IRA
0.10%	$500	-	30 - 59 Day IRA
0.10%	$500	-	60 - 89 Day IRA
0.10%	$500	-	90 - 181 Day IRA

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

North Star Bank
FDIC Certificate #	16733
BankRate Report	View
Year Established	1947
Employees	48
Primary Regulator	FDIC
Assets and Liabilities
Assets	$254.04 million
Loans	$114.32 million
Deposits	$234.61 million
Equity Capital	$18.84 million
Loan Loss Allowance	$3.80 million
Unbacked Noncurrent Loans	$7.05 million
Real Estate Owned	$12.78 million
Historic Data - March 2011
Assets	$246.13 million
Equity Capital	$15.71 million
Loan Loss Allowance	$4.87 million
Unbacked Noncurrent Loans	$9.57 million
Real Estate Owned	$13.16 million
Profit Margin - Quarterly
Net Interest Margin	3.1%
Return on Assets	0.38%
Return on Equity	5.21%
Interest Income	$2.15 million

Institution Health

Overall Score:

2 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 Star Bank had $19.84 million in non-current loans and owned real-estate with $22.64 million in equity and loan loss allowances on hand to cover it. This gives North Star Bank a Texas Ratio of 87.63% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for North Star Bank decreased slightly from 110.46% as of March 31, 2011 to 87.63% as of March 31, 2012, resulting in a positive change of 20.67%.This indicates that the balance sheet and financial strength for North Star Bank has improved slightly in recent periods.
Deposit Growth
In the past year, North Star Bank has increased its total deposits by $5 million, resulting in 2.18% 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 Star Bank has shown is above 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 Star Bank has $254.04 million in assets with $22.64 million in equity, resulting in a capitalization level of 8.91%, which is average.

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