St. Clair State Bank (Incorporated)

St. Clair State Bank (Incorporated) is headquartered in Saint Clair and is the 221^st largest bank in the state of Minnesota. It is also the 5,689^th largest bank in the nation. It was established in 1907 and as of March of 2012, it had grown to 10 employees at 1 location. St. Clair State Bank (Incorporated) has a 5-star health rating.

Data for Q1 2012

Institution Statistics St. Clair State Bank (Incorporated) FDIC Certificate # 1903 BankRate Report View Year Established 1907 Employees 10 Primary Regulator FDIC Assets and Liabilities Assets $73.13 million Loans $48.38 million Deposits $64.06 million Equity Capital $8.77 million Loan Loss Allowance $771,000 Unbacked Noncurrent Loans $108,000 Historic Data - March 2011 Assets $69.27 million Equity Capital $8.38 million Loan Loss Allowance $662,000 Unbacked Noncurrent Loans $189,000 Profit Margin - Quarterly Net Interest Margin 3.37% Return on Assets 1.61% Return on Equity 13.44% Interest Income $817,000

Institution Health Overall Score: 5 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 St. Clair State Bank (Incorporated) had $108,000 in non-current loans and owned real-estate with $9.54 million in equity and loan loss allowances on hand to cover it. This gives St. Clair State Bank (Incorporated) a Texas Ratio of 1.13% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for St. Clair State Bank (Incorporated) decreased significantly from 2.09% as of March 31, 2011 to 1.13% as of March 31, 2012, resulting in a positive change of 45.83%.This indicates that the balance sheet and financial strength for St. Clair State Bank (Incorporated) has improved significantly in recent periods. Deposit Growth In the past year, St. Clair State Bank (Incorporated) has increased its total deposits by $3.61 million, resulting in 5.97% 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 St. Clair State Bank (Incorporated) 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. St. Clair State Bank (Incorporated) has $73.12 million in assets with $9.54 million in equity, resulting in a capitalization level of 13.05%, which is excellent.

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