Pine Country Bank

Pine Country Bank is headquartered in Little Falls and is the 106^th largest bank in the state of Minnesota. It is also the 3,610^st largest bank in the nation. It was established in 1927 and as of March of 2012, it had grown to 35 employees at 4 locations. Pine Country Bank has a 3-star health rating.

Data for Q1 2012

Institution Statistics Pine Country Bank FDIC Certificate # 13652 BankRate Report View Year Established 1927 Employees 35 Primary Regulator FDIC Assets and Liabilities Assets $165.41 million Loans $90.03 million Deposits $153.55 million Equity Capital $11.33 million Loan Loss Allowance $1.07 million Unbacked Noncurrent Loans $2.19 million Real Estate Owned $917,000 Historic Data - March 2011 Assets $144.63 million Equity Capital $9.39 million Loan Loss Allowance $1.13 million Unbacked Noncurrent Loans $2.05 million Real Estate Owned $357,000 Profit Margin - Quarterly Net Interest Margin 3.92% Return on Assets 0.68% Return on Equity 9.72% Interest Income $1.73 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 Pine Country Bank had $3.1 million in non-current loans and owned real-estate with $12.4 million in equity and loan loss allowances on hand to cover it. This gives Pine Country Bank a Texas Ratio of 25.03% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Pine Country Bank increased slightly from 10.63% as of March 31, 2011 to 25.03% as of March 31, 2012, resulting in a negative change of 135.40%. This indicates that the balance sheet and financial strength for Pine Country Bank has declined slightly in recent periods. Deposit Growth In the past year, Pine Country Bank has increased its total deposits by $19.02 million, resulting in 14.14% 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 Pine Country 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. Pine Country Bank has $165.41 million in assets with $12.4 million in equity, resulting in a capitalization level of 7.50%, which is below average.

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