Northwoods State Bank

Northwoods State Bank is headquartered in Mason City and is the 118^st largest bank in the state of Iowa. It is also the 3,733^rd largest bank in the nation. It was established in 1933 and as of March of 2012, it had grown to 28 employees at 3 locations. Northwoods State Bank's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

Northwoods State Bank Routing Number: 073921530

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Data for Q1 2012

Institution Statistics Northwoods State Bank FDIC Certificate # 8094 BankRate Report View Year Established 1933 Employees 28 Primary Regulator FDIC Assets and Liabilities Assets $158.05 million Loans $98.00 million Deposits $141.26 million Equity Capital $14.04 million Loan Loss Allowance $974,000 Real Estate Owned $591,000 Historic Data - March 2011 Assets $145.18 million Equity Capital $11.50 million Loan Loss Allowance $1.12 million Unbacked Noncurrent Loans $1.29 million Real Estate Owned $852,000 Profit Margin - Quarterly Net Interest Margin 3.79% Return on Assets 2.26% Return on Equity 25.48% Interest Income $1.62 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 Northwoods State Bank had $591,000 in non-current loans and owned real-estate with $15.01 million in equity and loan loss allowances on hand to cover it. This gives Northwoods State Bank a Texas Ratio of 3.94% 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 Northwoods State Bank decreased significantly from 17.07% as of March 31, 2011 to 3.94% as of March 31, 2012, resulting in a positive change of 76.93%.This indicates that the balance sheet and financial strength for Northwoods State Bank has improved significantly in recent periods. Deposit Growth In the past year, Northwoods State Bank has increased its total deposits by $10.2 million, resulting in 7.78% 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 Northwoods State 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. Northwoods State Bank has $158.05 million in assets with $15.01 million in equity, resulting in a capitalization level of 9.50%, which is average.

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