The Ramsey National Bank and Trust Co. of Devils Lake

The Ramsey National Bank and Trust Co. of Devils Lake is headquartered in Devils Lake and is the 21^st largest bank in the state of North Dakota. It is also the 2,564^th largest bank in the nation. It was established in 1892 and as of March of 2012, it had grown to 57 employees at 8 locations. The Ramsey National Bank and Trust Co. of Devils Lake has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Ramsey National Bank FDIC Certificate # 3914 BankRate Report View Year Established 1892 Employees 57 Primary Regulator OCC Assets and Liabilities Assets $251.10 million Loans $157.81 million Deposits $217.94 million Equity Capital $25.13 million Loan Loss Allowance $1.99 million Unbacked Noncurrent Loans $2.67 million Real Estate Owned $368,000 Historic Data - March 2011 Assets $225.85 million Equity Capital $22.68 million Loan Loss Allowance $2.19 million Unbacked Noncurrent Loans $4.58 million Real Estate Owned $583,000 Profit Margin - Quarterly Net Interest Margin 3.58% Return on Assets 1.56% Return on Equity 15.4% Interest Income $2.55 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 Ramsey National Bank and Trust Co. of Devils Lake had $3.04 million in non-current loans and owned real-estate with $27.12 million in equity and loan loss allowances on hand to cover it. This gives The Ramsey National Bank and Trust Co. of Devils Lake a Texas Ratio of 11.22% 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 Ramsey National Bank and Trust Co. of Devils Lake decreased significantly from 21.65% as of March 31, 2011 to 11.22% as of March 31, 2012, resulting in a positive change of 48.21%.This indicates that the balance sheet and financial strength for The Ramsey National Bank and Trust Co. of Devils Lake has improved significantly in recent periods. Deposit Growth In the past year, The Ramsey National Bank and Trust Co. of Devils Lake has increased its total deposits by $25.7 million, resulting in 13.37% 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 Ramsey National Bank and Trust Co. of Devils Lake 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 Ramsey National Bank and Trust Co. of Devils Lake has $251.1 million in assets with $27.12 million in equity, resulting in a capitalization level of 10.80%, which is above average.

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