The Bank of Baker

The Bank of Baker is headquartered in Baker and is the 26^th largest bank in the state of Montana. It is also the 4,236^th largest bank in the nation. It was established in 1924 and as of March of 2012, it had grown to 22 employees at 1 location. The Bank of Baker has a 4-star health rating.

The Bank of Baker Routing Number: 092105104

Data for Q1 2012

Institution Statistics The Bank of Baker FDIC Certificate # 352 BankRate Report View Year Established 1924 Employees 22 Primary Regulator FDIC Assets and Liabilities Assets $130.53 million Loans $77.39 million Deposits $118.95 million Equity Capital $11.19 million Loan Loss Allowance $1.20 million Unbacked Noncurrent Loans $969,000 Real Estate Owned $294,000 Historic Data - March 2011 Assets $116.10 million Equity Capital $9.84 million Loan Loss Allowance $1.31 million Unbacked Noncurrent Loans $500,000 Real Estate Owned $285,000 Profit Margin - Quarterly Net Interest Margin 3.98% Return on Assets 2.25% Return on Equity 26.28% Interest Income $1.29 million

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 The Bank of Baker had $1.26 million in non-current loans and owned real-estate with $12.39 million in equity and loan loss allowances on hand to cover it. This gives The Bank of Baker a Texas Ratio of 10.19% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Bank of Baker held steady from 7.04% as of March 31, 2011 to 10.19% as of March 31, 2012, resulting in a negative change of 44.69%. This indicates that the balance sheet and financial strength for The Bank of Baker has held steady in recent periods. Deposit Growth In the past year, The Bank of Baker has increased its total deposits by $13.08 million, resulting in 12.35% 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 The Bank of Baker 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. The Bank of Baker has $130.52 million in assets with $12.39 million in equity, resulting in a capitalization level of 9.49%, which is average.

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