PrinsBank

PrinsBank is headquartered in Prinsburg and is the 157^th largest bank in the state of Minnesota. It is also the 4,719^st largest bank in the nation. It was established in 1916 and as of March of 2012, it had grown to 22 employees at 2 locations. PrinsBank has a 4-star health rating.

PrinsBank Routing Number: 091913180

Data for Q1 2012

Institution Statistics PrinsBank FDIC Certificate # 10191 BankRate Report View Year Established 1916 Employees 22 Primary Regulator FDIC Assets and Liabilities Assets $109.76 million Loans $78.30 million Deposits $98.35 million Equity Capital $9.89 million Loan Loss Allowance $1.35 million Unbacked Noncurrent Loans $2.14 million Real Estate Owned $218,000 Historic Data - March 2011 Assets $96.43 million Equity Capital $9.05 million Loan Loss Allowance $1.11 million Unbacked Noncurrent Loans $1.49 million Real Estate Owned $809,000 Profit Margin - Quarterly Net Interest Margin 4.02% Return on Assets 2.74% Return on Equity 31.3% Interest Income $1.33 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 PrinsBank had $2.36 million in non-current loans and owned real-estate with $11.24 million in equity and loan loss allowances on hand to cover it. This gives PrinsBank a Texas Ratio of 20.99% 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 PrinsBank held steady from 22.60% as of March 31, 2011 to 20.99% as of March 31, 2012, resulting in a positive change of 7.10%.This indicates that the balance sheet and financial strength for PrinsBank has held steady in recent periods. Deposit Growth In the past year, PrinsBank has increased its total deposits by $12.65 million, resulting in 14.76% 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 PrinsBank 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. PrinsBank has $109.76 million in assets with $11.24 million in equity, resulting in a capitalization level of 10.24%, which is above average.

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