Star Bank

Star Bank is headquartered in Bertha and is the 118^st largest bank in the state of Minnesota. It is also the 3,895^th largest bank in the nation. It was established in 1904 and as of March of 2012, it had grown to 54 employees at 9 locations. Star Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics Star Bank OTS # 17985 FDIC Certificate # 5095 BankRate Report View Year Established 1904 Employees 54 Primary Regulator OCC Assets and Liabilities Assets $148.82 million Loans $107.98 million Deposits $126.88 million Equity Capital $16.77 million Loan Loss Allowance $1.17 million Unbacked Noncurrent Loans $961,000 Real Estate Owned $250,000 Historic Data - March 2011 Assets $137.84 million Equity Capital $11.24 million Loan Loss Allowance $895,000 Unbacked Noncurrent Loans $350,000 Real Estate Owned $164,000 Profit Margin - Quarterly Net Interest Margin 4.98% Return on Assets 1.37% Return on Equity 12.28% Interest Income $1.82 million

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 Star Bank had $1.21 million in non-current loans and owned real-estate with $17.94 million in equity and loan loss allowances on hand to cover it. This gives Star Bank a Texas Ratio of 6.75% 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 Star Bank held steady from 4.23% as of March 31, 2011 to 6.75% as of March 31, 2012, resulting in a negative change of 59.40%. This indicates that the balance sheet and financial strength for Star Bank has held steady in recent periods. Deposit Growth In the past year, Star Bank has increased its total deposits by $5.6 million, resulting in 4.61% 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 Star Bank has shown is above 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. Star Bank has $148.82 million in assets with $17.94 million in equity, resulting in a capitalization level of 12.06%, which is excellent.

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