The State Bank of Townsend

The State Bank of Townsend is headquartered in Townsend and is the 54^th largest bank in the state of Montana. It is also the 6,409^th largest bank in the nation. It was established in 1899 and as of March of 2012, it had grown to 17 employees at 1 location. The State Bank of Townsend has a 5-star health rating.

Data for Q1 2012

Institution Statistics The State Bank of Townsend FDIC Certificate # 1114 BankRate Report View Year Established 1899 Employees 17 Primary Regulator FED Assets and Liabilities Assets $48.66 million Loans $25.93 million Deposits $43.13 million Equity Capital $5.10 million Loan Loss Allowance $317,000 Unbacked Noncurrent Loans $204,000 Historic Data - March 2011 Assets $46.79 million Equity Capital $4.45 million Loan Loss Allowance $319,000 Unbacked Noncurrent Loans $791,000 Profit Margin - Quarterly Net Interest Margin 4.5% Return on Assets 1.04% Return on Equity 10.01% Interest Income $569,000

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 State Bank of Townsend had $204,000 in non-current loans and owned real-estate with $5.42 million in equity and loan loss allowances on hand to cover it. This gives The State Bank of Townsend a Texas Ratio of 3.76% 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 State Bank of Townsend decreased significantly from 13.02% as of March 31, 2011 to 3.76% as of March 31, 2012, resulting in a positive change of 71.09%.This indicates that the balance sheet and financial strength for The State Bank of Townsend has improved significantly in recent periods. Deposit Growth In the past year, The State Bank of Townsend has increased its total deposits by $1.17 million, resulting in 2.8% 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 State Bank of Townsend has shown is above 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 State Bank of Townsend has $48.66 million in assets with $5.42 million in equity, resulting in a capitalization level of 11.14%, which is above average.

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