Tradition Capital Bank

Tradition Capital Bank is headquartered in Edina and is the 73^rd largest bank in the state of Minnesota. It is also the 3,005^th largest bank in the nation. It was established in 2005 and as of March of 2012, it had grown to 29 employees at 2 locations. Tradition Capital Bank has a 5-star health rating.

Tradition Capital Bank Routing Number: 091017471

Data for Q1 2012

Institution Statistics Tradition Capital Bank FDIC Certificate # 58057 BankRate Report View Year Established 2005 Employees 29 Primary Regulator FDIC Assets and Liabilities Assets $209.62 million Loans $174.15 million Deposits $185.06 million Equity Capital $18.77 million Loan Loss Allowance $3.98 million Unbacked Noncurrent Loans $433,000 Real Estate Owned $1.20 million Historic Data - March 2011 Assets $165.35 million Equity Capital $16.40 million Loan Loss Allowance $3.84 million Real Estate Owned $1.94 million Profit Margin - Quarterly Net Interest Margin 3.99% Return on Assets 0.93% Return on Equity 10.7% Interest Income $2.51 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 Tradition Capital Bank had $1.63 million in non-current loans and owned real-estate with $22.75 million in equity and loan loss allowances on hand to cover it. This gives Tradition Capital Bank a Texas Ratio of 7.16% 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 Tradition Capital Bank decreased slightly from 9.61% as of March 31, 2011 to 7.16% as of March 31, 2012, resulting in a positive change of 25.42%.This indicates that the balance sheet and financial strength for Tradition Capital Bank has improved slightly in recent periods. Deposit Growth In the past year, Tradition Capital Bank has increased its total deposits by $49.35 million, resulting in 36.36% 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 Tradition Capital Bank 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. Tradition Capital Bank has $209.62 million in assets with $22.75 million in equity, resulting in a capitalization level of 10.85%, which is above average.

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