RiverWood Bank

RiverWood Bank is headquartered in Bemidji and is the 109^th largest bank in the state of Minnesota. It is also the 3,715^st largest bank in the nation. It was established in 1910 and as of March of 2012, it had grown to 35 employees at 6 locations. RiverWood Bank has a 2-star health rating.

RiverWood Bank Routing Number: 291271240

Data for Q1 2012

Institution Statistics RiverWood Bank OTS # 00566 FDIC Certificate # 27932 BankRate Report View Year Established 1910 Employees 35 Primary Regulator OCC Assets and Liabilities Assets $158.86 million Loans $102.57 million Deposits $133.09 million Equity Capital $15.58 million Loan Loss Allowance $2.10 million Unbacked Noncurrent Loans $6.52 million Real Estate Owned $3.08 million Historic Data - March 2011 Assets $167.98 million Equity Capital $16.69 million Loan Loss Allowance $2.05 million Unbacked Noncurrent Loans $4.80 million Real Estate Owned $2.52 million Profit Margin - Quarterly Net Interest Margin 2.97% Return on Assets 0.32% Return on Equity 3.3% Interest Income $1.54 million

Institution Health Overall Score: 2 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 RiverWood Bank had $9.6 million in non-current loans and owned real-estate with $17.68 million in equity and loan loss allowances on hand to cover it. This gives RiverWood Bank a Texas Ratio of 54.28% 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 RiverWood Bank increased slightly from 39.02% as of March 31, 2011 to 54.28% as of March 31, 2012, resulting in a negative change of 39.10%. This indicates that the balance sheet and financial strength for RiverWood Bank has declined slightly in recent periods. Deposit Growth In the past year, RiverWood Bank has decreased its total deposits by -$4.09 million, resulting in -2.98% 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 RiverWood 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. RiverWood Bank has $158.86 million in assets with $17.68 million in equity, resulting in a capitalization level of 11.13%, which is above average.

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