Sunrise Bank Dakota

Sunrise Bank Dakota is headquartered in Onida and is the 57^th largest bank in the state of South Dakota. It is also the 6,399^th largest bank in the nation. It was established in 1925 and as of March of 2012, it had grown to 10 employees at 1 location. Sunrise Bank Dakota has a 5-star health rating.

Sunrise Bank Dakota Routing Number: 091408394

Data for Q1 2012

Institution Statistics Sunrise Bank Dakota FDIC Certificate # 15847 BankRate Report View Year Established 1925 Employees 10 Primary Regulator FDIC Assets and Liabilities Assets $48.93 million Loans $24.68 million Deposits $43.51 million Equity Capital $5.20 million Loan Loss Allowance $450,000 Unbacked Noncurrent Loans $1,000 Real Estate Owned $12,000 Historic Data - March 2011 Assets $42.25 million Equity Capital $4.70 million Loan Loss Allowance $443,000 Unbacked Noncurrent Loans $368,000 Real Estate Owned $245,000 Profit Margin - Quarterly Net Interest Margin 4.03% Return on Assets 1.54% Return on Equity 13.64% Interest Income $520,000

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 Sunrise Bank Dakota had $13,000 in non-current loans and owned real-estate with $5.65 million in equity and loan loss allowances on hand to cover it. This gives Sunrise Bank Dakota a Texas Ratio of 0.23% 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 Sunrise Bank Dakota decreased significantly from 11.92% as of March 31, 2011 to 0.23% as of March 31, 2012, resulting in a positive change of 98.07%.This indicates that the balance sheet and financial strength for Sunrise Bank Dakota has improved significantly in recent periods. Deposit Growth In the past year, Sunrise Bank Dakota has increased its total deposits by $6.18 million, resulting in 16.56% 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 Sunrise Bank Dakota 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. Sunrise Bank Dakota has $48.93 million in assets with $5.65 million in equity, resulting in a capitalization level of 11.55%, which is above average.

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