Roundbank

Roundbank is headquartered in Waseca and is the 52^nd largest bank in the state of Minnesota. It is also the 2,268^th largest bank in the nation. It was established in 1881 and as of March of 2012, it had grown to 70 employees at 4 locations. Roundbank has a 3-star health rating.

Roundbank Routing Number: 091901558

Data for Q1 2012

Institution Statistics Roundbank FDIC Certificate # 5271 BankRate Report View Year Established 1881 Employees 70 Primary Regulator FDIC Assets and Liabilities Assets $287.68 million Loans $199.15 million Deposits $236.35 million Equity Capital $30.61 million Loan Loss Allowance $3.83 million Unbacked Noncurrent Loans $9.60 million Real Estate Owned $8.41 million Historic Data - March 2011 Assets $293.53 million Equity Capital $30.01 million Loan Loss Allowance $3.00 million Unbacked Noncurrent Loans $15.84 million Real Estate Owned $9.41 million Profit Margin - Quarterly Net Interest Margin 5.05% Return on Assets 1.86% Return on Equity 17.78% Interest Income $3.93 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 Roundbank had $18.01 million in non-current loans and owned real-estate with $34.44 million in equity and loan loss allowances on hand to cover it. This gives Roundbank a Texas Ratio of 52.30% 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 Roundbank decreased slightly from 76.50% as of March 31, 2011 to 52.30% as of March 31, 2012, resulting in a positive change of 31.63%.This indicates that the balance sheet and financial strength for Roundbank has improved slightly in recent periods. Deposit Growth In the past year, Roundbank has decreased its total deposits by $-361,000, resulting in -0.15% 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 Roundbank has shown is 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. Roundbank has $287.68 million in assets with $34.44 million in equity, resulting in a capitalization level of 11.97%, which is above average.

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