Provincial Bank

Provincial Bank is headquartered in Lakeville and is the 216^st largest bank in the state of Minnesota. It is also the 5,634^th largest bank in the nation. It was established in 1997 and as of March of 2012, it had grown to 36 employees at 3 locations. Provincial Bank has a 3-star health rating.

Provincial Bank Routing Number: 091916815

Provincial Bank CD Rates

Data for Q1 2012

Institution Statistics Provincial Bank FDIC Certificate # 34443 BankRate Report View Year Established 1997 Employees 36 Primary Regulator FDIC Assets and Liabilities Assets $74.97 million Loans $54.39 million Deposits $64.63 million Equity Capital $7.62 million Loan Loss Allowance $774,000 Unbacked Noncurrent Loans $814,000 Real Estate Owned $1.87 million Historic Data - March 2011 Assets $80.88 million Equity Capital $6.98 million Loan Loss Allowance $776,000 Unbacked Noncurrent Loans $1.02 million Real Estate Owned $1.93 million Profit Margin - Quarterly Net Interest Margin 4.64% Return on Assets 1.38% Return on Equity 13.83% Interest Income $888,000

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 Provincial Bank had $2.68 million in non-current loans and owned real-estate with $8.39 million in equity and loan loss allowances on hand to cover it. This gives Provincial Bank a Texas Ratio of 31.95% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Provincial Bank decreased slightly from 37.97% as of March 31, 2011 to 31.95% as of March 31, 2012, resulting in a positive change of 15.84%.This indicates that the balance sheet and financial strength for Provincial Bank has improved slightly in recent periods. Deposit Growth In the past year, Provincial Bank has decreased its total deposits by -$2.51 million, resulting in -3.73% 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 Provincial Bank has shown is below 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. Provincial Bank has $74.97 million in assets with $8.39 million in equity, resulting in a capitalization level of 11.19%, which is above average.

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