State Bank in Eden Valley

State Bank in Eden Valley is headquartered in Eden Valley and is the 340^th largest bank in the state of Minnesota. It is also the 7,002^nd largest bank in the nation. It was established in 1932 and as of March of 2012, it had grown to 9 employees at 1 location. State Bank in Eden Valley has a 3-star health rating.

State Bank in Eden Valley Routing Number: 091904283

Data for Q1 2012

Institution Statistics State Bank in Eden Valley FDIC Certificate # 1916 BankRate Report View Year Established 1932 Employees 9 Primary Regulator FDIC Assets and Liabilities Assets $27.77 million Loans $16.16 million Deposits $24.79 million Equity Capital $2.93 million Loan Loss Allowance $353,000 Unbacked Noncurrent Loans $417,000 Real Estate Owned $741,000 Historic Data - March 2011 Assets $28.16 million Equity Capital $2.34 million Loan Loss Allowance $329,000 Unbacked Noncurrent Loans $955,000 Real Estate Owned $709,000 Profit Margin - Quarterly Net Interest Margin 4.55% Return on Assets 2.91% Return on Equity 27.31% Interest Income $328,000

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 State Bank in Eden Valley had $1.16 million in non-current loans and owned real-estate with $3.29 million in equity and loan loss allowances on hand to cover it. This gives State Bank in Eden Valley a Texas Ratio of 35.24% 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 State Bank in Eden Valley decreased significantly from 62.42% as of March 31, 2011 to 35.24% as of March 31, 2012, resulting in a positive change of 43.54%.This indicates that the balance sheet and financial strength for State Bank in Eden Valley has improved significantly in recent periods. Deposit Growth In the past year, State Bank in Eden Valley has decreased its total deposits by $-991,000, resulting in -3.84% 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 State Bank in Eden Valley 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. State Bank in Eden Valley has $27.77 million in assets with $3.29 million in equity, resulting in a capitalization level of 11.83%, which is above average.

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