The Dakota Western Bank

The Dakota Western Bank is headquartered in Bowman and is the 25^th largest bank in the state of North Dakota. It is also the 2,925^th largest bank in the nation. It was established in 1910 and as of March of 2012, it had grown to 34 employees at 4 locations. The Dakota Western Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics The Dakota Western Bank FDIC Certificate # 8637 BankRate Report View Year Established 1910 Employees 34 Primary Regulator FED Assets and Liabilities Assets $217.80 million Loans $123.04 million Deposits $183.06 million Equity Capital $21.22 million Loan Loss Allowance $2.03 million Unbacked Noncurrent Loans $633,000 Real Estate Owned $48,000 Historic Data - March 2011 Assets $189.36 million Equity Capital $16.23 million Loan Loss Allowance $1.67 million Unbacked Noncurrent Loans $1.60 million Real Estate Owned $93,000 Profit Margin - Quarterly Net Interest Margin 3.84% Return on Assets 1.79% Return on Equity 18.61% Interest Income $2.49 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 Dakota Western Bank had $681,000 in non-current loans and owned real-estate with $23.24 million in equity and loan loss allowances on hand to cover it. This gives The Dakota Western Bank a Texas Ratio of 2.93% 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 Dakota Western Bank decreased significantly from 9.44% as of March 31, 2011 to 2.93% as of March 31, 2012, resulting in a positive change of 68.95%.This indicates that the balance sheet and financial strength for The Dakota Western Bank has improved significantly in recent periods. Deposit Growth In the past year, The Dakota Western Bank has increased its total deposits by $23.46 million, resulting in 14.7% 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 Dakota Western Bank 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 Dakota Western Bank has $217.8 million in assets with $23.24 million in equity, resulting in a capitalization level of 10.67%, which is above average.

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