The Bank of Tioga

The Bank of Tioga is headquartered in Tioga and is the 39^th largest bank in the state of North Dakota. It is also the 4,525^th largest bank in the nation. It was established in 1952 and as of March of 2012, it had grown to 15 employees at 1 location. The Bank of Tioga has a 5-star health rating.

The Bank of Tioga Routing Number: 091310990

Data for Q1 2012

Institution Statistics The Bank of Tioga FDIC Certificate # 17280 BankRate Report View Year Established 1952 Employees 15 Primary Regulator FDIC Assets and Liabilities Assets $117.27 million Loans $32.28 million Deposits $106.31 million Equity Capital $10.16 million Loan Loss Allowance $511,000 Unbacked Noncurrent Loans $637,000 Historic Data - March 2011 Assets $94.20 million Equity Capital $8.35 million Loan Loss Allowance $780,000 Unbacked Noncurrent Loans $924,000 Profit Margin - Quarterly Net Interest Margin 3.09% Return on Assets 1.39% Return on Equity 15.9% Interest Income $740,000

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 The Bank of Tioga had $637,000 in non-current loans and owned real-estate with $10.67 million in equity and loan loss allowances on hand to cover it. This gives The Bank of Tioga a Texas Ratio of 5.97% 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 The Bank of Tioga decreased significantly from 11.20% as of March 31, 2011 to 5.97% as of March 31, 2012, resulting in a positive change of 46.68%.This indicates that the balance sheet and financial strength for The Bank of Tioga has improved significantly in recent periods. Deposit Growth In the past year, The Bank of Tioga has increased its total deposits by $22.49 million, resulting in 26.83% 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 Tioga 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 Tioga has $117.27 million in assets with $10.67 million in equity, resulting in a capitalization level of 9.09%, which is average.

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