The Goose River Bank

The Goose River Bank is headquartered in Mayville and is the 40^th largest bank in the state of North Dakota. It is also the 4,596^th largest bank in the nation. It was established in 1881 and as of March of 2012, it had grown to 28 employees at 3 locations. The Goose River Bank has a 3-star health rating.

The Goose River Bank Routing Number: 091301048

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Data for Q1 2012

Institution Statistics The Goose River Bank FDIC Certificate # 10236 BankRate Report View Year Established 1881 Employees 28 Primary Regulator FDIC Assets and Liabilities Assets $114.37 million Loans $59.47 million Deposits $102.34 million Equity Capital $8.69 million Loan Loss Allowance $960,000 Unbacked Noncurrent Loans $1.42 million Real Estate Owned $34,000 Historic Data - March 2011 Assets $113.38 million Equity Capital $7.88 million Loan Loss Allowance $1.06 million Unbacked Noncurrent Loans $196,000 Real Estate Owned $34,000 Profit Margin - Quarterly Net Interest Margin 3.22% Return on Assets 0.61% Return on Equity 7.9% Interest Income $1.05 million

Institution Health Overall Score: 3 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 Goose River Bank had $1.46 million in non-current loans and owned real-estate with $9.65 million in equity and loan loss allowances on hand to cover it. This gives The Goose River Bank a Texas Ratio of 15.07% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Goose River Bank increased slightly from 2.57% as of March 31, 2011 to 15.07% as of March 31, 2012, resulting in a negative change of 485.62%. This indicates that the balance sheet and financial strength for The Goose River Bank has declined slightly in recent periods. Deposit Growth In the past year, The Goose River Bank has increased its total deposits by $509,000, resulting in 0.5% 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 Goose River Bank has shown is average. 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 Goose River Bank has $114.37 million in assets with $9.65 million in equity, resulting in a capitalization level of 8.44%, which is average.

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