State Bank of Cold Spring

State Bank of Cold Spring is headquartered in Cold Spring and is the 277^th largest bank in the state of Minnesota. It is also the 6,361^st largest bank in the nation. It was established in 1908 and as of March of 2012, it had grown to 16 employees at 1 location. State Bank of Cold Spring has a 4-star health rating.

State Bank of Cold Spring Routing Number: 091904830

Data for Q1 2012

Institution Statistics State Bank of Cold Spring FDIC Certificate # 12444 BankRate Report View Year Established 1908 Employees 16 Primary Regulator FDIC Assets and Liabilities Assets $50.23 million Loans $30.97 million Deposits $44.75 million Equity Capital $4.56 million Loan Loss Allowance $539,000 Unbacked Noncurrent Loans $392,000 Real Estate Owned $969,000 Historic Data - March 2011 Assets $49.37 million Equity Capital $4.26 million Loan Loss Allowance $718,000 Unbacked Noncurrent Loans $397,000 Real Estate Owned $784,000 Profit Margin - Quarterly Net Interest Margin 3.99% Return on Assets 0.78% Return on Equity 8.68% Interest Income $520,000

Institution Health Overall Score: 4 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 of Cold Spring had $1.36 million in non-current loans and owned real-estate with $5.1 million in equity and loan loss allowances on hand to cover it. This gives State Bank of Cold Spring a Texas Ratio of 26.69% which is 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 of Cold Spring held steady from 23.74% as of March 31, 2011 to 26.69% as of March 31, 2012, resulting in a negative change of 12.42%. This indicates that the balance sheet and financial strength for State Bank of Cold Spring has held steady in recent periods. Deposit Growth In the past year, State Bank of Cold Spring has increased its total deposits by $632,000, resulting in 1.43% 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 of Cold Spring 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. State Bank of Cold Spring has $50.23 million in assets with $5.1 million in equity, resulting in a capitalization level of 10.15%, which is above average.

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