The Nicollet County Bank of Saint Peter

The Nicollet County Bank of Saint Peter is headquartered in Saint Peter and is the 120^th largest bank in the state of Minnesota. It is also the 3,943^rd largest bank in the nation. It was established in 1883 and as of March of 2012, it had grown to 30 employees at 1 location. The Nicollet County Bank of Saint Peter has a 4-star health rating.

Data for Q1 2012

Institution Statistics The Nicollet County Bank of Saint Peter FDIC Certificate # 9757 BankRate Report View Year Established 1883 Employees 30 Primary Regulator FDIC Assets and Liabilities Assets $146.27 million Loans $76.12 million Deposits $130.04 million Equity Capital $12.04 million Loan Loss Allowance $676,000 Unbacked Noncurrent Loans $827,000 Real Estate Owned $530,000 Historic Data - March 2011 Assets $145.55 million Equity Capital $11.75 million Loan Loss Allowance $719,000 Unbacked Noncurrent Loans $1.06 million Profit Margin - Quarterly Net Interest Margin 2.84% Return on Assets 0.9% Return on Equity 11.19% Interest Income $1.24 million

Institution Health Overall Score: 4 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 Nicollet County Bank of Saint Peter had $1.36 million in non-current loans and owned real-estate with $12.71 million in equity and loan loss allowances on hand to cover it. This gives The Nicollet County Bank of Saint Peter a Texas Ratio of 10.67% 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 Nicollet County Bank of Saint Peter held steady from 8.47% as of March 31, 2011 to 10.67% as of March 31, 2012, resulting in a negative change of 26.07%. This indicates that the balance sheet and financial strength for The Nicollet County Bank of Saint Peter has held steady in recent periods. Deposit Growth In the past year, The Nicollet County Bank of Saint Peter has decreased its total deposits by $-533,000, resulting in -0.41% 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 Nicollet County Bank of Saint Peter 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 Nicollet County Bank of Saint Peter has $146.27 million in assets with $12.71 million in equity, resulting in a capitalization level of 8.69%, which is average.

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