The Bank of Holland

The Bank of Holland is headquartered in Holland and is the 15^st largest bank in the state of Michigan. It is also the 1,016^st largest bank in the nation. It was established in 1998 and as of March of 2012, it had grown to 61 employees at 4 locations. The Bank of Holland has a 5-star health rating.

The Bank of Holland Routing Number: 072413900

Data for Q1 2012

Institution Statistics The Bank of Holland FDIC Certificate # 34862 BankRate Report View Year Established 1998 Employees 61 Primary Regulator FDIC Assets and Liabilities Assets $650.94 million Loans $504.22 million Deposits $536.39 million Equity Capital $60.66 million Loan Loss Allowance $7.94 million Unbacked Noncurrent Loans $7.56 million Real Estate Owned $946,000 Historic Data - March 2011 Assets $629.73 million Equity Capital $57.48 million Loan Loss Allowance $7.36 million Unbacked Noncurrent Loans $8.50 million Real Estate Owned $1.91 million Profit Margin - Quarterly Net Interest Margin 3.49% Return on Assets 1.13% Return on Equity 12.02% Interest Income $7.32 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 The Bank of Holland had $8.51 million in non-current loans and owned real-estate with $68.6 million in equity and loan loss allowances on hand to cover it. This gives The Bank of Holland a Texas Ratio of 12.41% 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 Holland decreased slightly from 16.05% as of March 31, 2011 to 12.41% as of March 31, 2012, resulting in a positive change of 22.70%.This indicates that the balance sheet and financial strength for The Bank of Holland has improved slightly in recent periods. Deposit Growth In the past year, The Bank of Holland has increased its total deposits by $50.67 million, resulting in 10.43% 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 The Bank of Holland 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 Holland has $650.94 million in assets with $68.6 million in equity, resulting in a capitalization level of 10.54%, which is above average.

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