The National Bank of Harvey

The National Bank of Harvey is headquartered in Harvey and is the 72^nd largest bank in the state of North Dakota. It is also the 6,410^st largest bank in the nation. It was established in 1965 and as of March of 2012, it had grown to 11 employees at 1 location. The National Bank of Harvey has a 5-star health rating.

The National Bank of Harvey Checking Account Rates

The National Bank of Harvey Savings Account Rates

The National Bank of Harvey Money Market Rates

The National Bank of Harvey CD Rates

Data for Q1 2012

Institution Statistics The National Bank of Harvey FDIC Certificate # 19337 BankRate Report View Year Established 1965 Employees 11 Primary Regulator OCC Assets and Liabilities Assets $48.66 million Loans $21.25 million Deposits $42.87 million Equity Capital $5.32 million Loan Loss Allowance $749,000 Unbacked Noncurrent Loans $430,000 Real Estate Owned $458,000 Historic Data - March 2011 Assets $46.06 million Equity Capital $5.13 million Loan Loss Allowance $704,000 Unbacked Noncurrent Loans $1.79 million Real Estate Owned $309,000 Profit Margin - Quarterly Net Interest Margin 3.05% Return on Assets -1.33% Return on Equity -11.81% Interest Income $395,000

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 National Bank of Harvey had $888,000 in non-current loans and owned real-estate with $6.07 million in equity and loan loss allowances on hand to cover it. This gives The National Bank of Harvey a Texas Ratio of 14.63% 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 National Bank of Harvey decreased significantly from (infinite) as of March 31, 2011 to 14.63% as of March 31, 2012, resulting in a positive change of (infinite). This indicates that the balance sheet and financial strength for The National Bank of Harvey has improved significantly in recent periods. Deposit Growth In the past year, The National Bank of Harvey has increased its total deposits by $2.98 million, resulting in 7.46% 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 National Bank of Harvey 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 National Bank of Harvey has $48.66 million in assets with $6.07 million in equity, resulting in a capitalization level of 12.47%, which is excellent.

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