Starion Financial

Starion Financial is headquartered in Bismarck and is the 8^th largest bank in the state of North Dakota. It is also the 699^th largest bank in the nation. It was established in 1993 and as of March of 2012, it had grown to 217 employees at 13 locations. Starion Financial has a 5-star health rating.

Data for Q1 2012

Institution Statistics Starion Financial FDIC Certificate # 33758 BankRate Report View Year Established 1993 Employees 217 Primary Regulator FDIC Assets and Liabilities Assets $943.95 million Loans $613.30 million Deposits $795.40 million Equity Capital $84.26 million Loan Loss Allowance $11.40 million Unbacked Noncurrent Loans $2.86 million Real Estate Owned $1.68 million Historic Data - March 2011 Assets $804.89 million Equity Capital $70.67 million Loan Loss Allowance $10.04 million Unbacked Noncurrent Loans $8.37 million Real Estate Owned $2.65 million Profit Margin - Quarterly Net Interest Margin 4.06% Return on Assets 1.7% Return on Equity 19.24% Interest Income $10.36 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 Starion Financial had $4.54 million in non-current loans and owned real-estate with $95.66 million in equity and loan loss allowances on hand to cover it. This gives Starion Financial a Texas Ratio of 4.75% 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 Starion Financial decreased significantly from 13.65% as of March 31, 2011 to 4.75% as of March 31, 2012, resulting in a positive change of 65.24%.This indicates that the balance sheet and financial strength for Starion Financial has improved significantly in recent periods. Deposit Growth In the past year, Starion Financial has increased its total deposits by $133.79 million, resulting in 20.22% 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 Starion Financial 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. Starion Financial has $943.95 million in assets with $95.66 million in equity, resulting in a capitalization level of 10.13%, which is above average.

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