Northland Financial

115 Broadway East
Steele, ND 58482
(701) 475-2301
www.banknorthland.com

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Northland Financial is headquartered in Steele and is the 28^th largest bank in the state of North Dakota. It is also the 3,320^th largest bank in the nation. It was established in 1932 and as of March of 2012, it had grown to 44 employees at 4 locations. Northland Financial has a 4-star health rating.

Northland Financial Routing Number: 091302160

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

Northland Financial Checking Account Rates

	Apy	Min	Max	Product
	0.25%	$100k	-	Business Interest Checking Account

Northland Financial Savings Account Rates

Apy	Min	Max	Product
0.25%	-	-	Health Savings Account
0.25%	-	-	IRA Savings Account
0.05%	-	-	Regular Savings Account
0.05%	-	-	Business Regular Savings Account

Northland Financial Money Market Rates

Apy	Min	Max	Product
0.18%	$100k	-	Premium Money Market Account
0.18%	$100k	-	Business Premium Money Market Account
0.14%	$100k	-	Money Market Account
0.14%	$100k	-	Business Money Market Account

Northland Financial CD Rates

Apy	Min	Max	Product
1.50%	$7,500	-	60 Month CD
1.50%	$7,500	-	60 Month Business CD
1.50%	$7,500	-	49 Month Business CD Special
1.50%	$7,500	-	49 Month CD Special
1.20%	$7,500	-	48 Month CD
1.20%	$7,500	-	48 Month Business CD
1.00%	$7,500	-	36 Month CD
1.00%	$7,500	-	36 Month Business CD
1.00%	$7,500	-	29 Month Business CD Special
1.00%	$7,500	-	29 Month CD Special
0.70%	$7,500	-	24 Month CD
0.70%	$7,500	-	24 Month Business CD
0.50%	$7,500	-	12 Month CD Special
0.50%	$7,500	-	12 Month Business CD Special
0.30%	$7,500	-	12 Month CD
0.30%	$7,500	-	12 Month Business CD
0.25%	$7,500	-	6 Month CD Special
0.25%	$7,500	-	6 Month Business CD Special
0.20%	$7,500	-	6 Month CD
0.20%	$7,500	-	6 Month Business CD
0.10%	$500	-	3 Month CD
0.10%	$500	-	3 Month Business CD

Northland Financial IRA Rates

Apy	Min	Max	Product
1.50%	$7,500	-	60 Month IRA
1.50%	$7,500	-	60 Month Roth IRA
1.50%	$7,500	-	59 Month IRA Special
1.50%	$7,500	-	59 Month Roth IRA Special
1.20%	$7,500	-	48 Month IRA
1.20%	$7,500	-	48 Month Roth IRA
1.00%	$7,500	-	36 Month IRA
1.00%	$7,500	-	36 Month Roth IRA
1.00%	$7,500	-	29 Month IRA Special
1.00%	$7,500	-	29 Month Roth IRA Special
0.70%	$7,500	-	24 Month IRA
0.70%	$7,500	-	24 Month Roth IRA
0.50%	$7,500	-	12 Month Special IRA
0.50%	$7,500	-	12 Month Special Roth IRA
0.30%	$7,500	-	12 Month IRA
0.30%	$7,500	-	12 Month Roth IRA
0.25%	$7,500	-	6 Month Special IRA
0.25%	$7,500	-	6 Month Special Roth IRA
0.20%	$7,500	-	6 Month IRA
0.20%	$7,500	-	6 Month Roth IRA
0.10%	$500	-	3 Month IRA
0.10%	$500	-	3 Month Roth IRA

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

Northland Financial
FDIC Certificate #	13202
BankRate Report	View
Year Established	1932
Employees	44
Primary Regulator	FDIC
Assets and Liabilities
Assets	$184.38 million
Loans	$126.18 million
Deposits	$167.65 million
Equity Capital	$14.83 million
Loan Loss Allowance	$1.79 million
Unbacked Noncurrent Loans	$1.31 million
Real Estate Owned	$24,000
Historic Data - March 2011
Assets	$162.76 million
Equity Capital	$13.39 million
Loan Loss Allowance	$2.00 million
Unbacked Noncurrent Loans	$1.59 million
Real Estate Owned	$207,000
Profit Margin - Quarterly
Net Interest Margin	4.64%
Return on Assets	1.14%
Return on Equity	14.22%
Interest Income	$2.35 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 Northland Financial had $1.34 million in non-current loans and owned real-estate with $16.62 million in equity and loan loss allowances on hand to cover it. This gives Northland Financial a Texas Ratio of 8.04% 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 Northland Financial decreased slightly from 11.70% as of March 31, 2011 to 8.04% as of March 31, 2012, resulting in a positive change of 31.33%.This indicates that the balance sheet and financial strength for Northland Financial has improved slightly in recent periods.
Deposit Growth
In the past year, Northland Financial has increased its total deposits by $20.22 million, resulting in 13.72% 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 Northland Financial 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. Northland Financial has $184.38 million in assets with $16.62 million in equity, resulting in a capitalization level of 9.02%, which is average.

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