Viking Savings Bank

Viking Savings Bank is headquartered in Alexandria and is the 110^st largest bank in the state of Minnesota. It is also the 3,722^nd largest bank in the nation. It was established in 1981 and as of March of 2012, it had grown to 29 employees at 1 location. Viking Savings Bank's savings rates are 63% higher than the national average, and it boasts a 5-star health rating.

Viking Savings Bank Routing Number: 291971430

Viking Savings Bank Checking Account Rates

Viking Savings Bank Savings Account Rates

Viking Savings Bank Money Market Rates

Viking Savings Bank CD Rates

Data for Q1 2012

Institution Statistics Viking Savings Bank OTS # 07830 FDIC Certificate # 32082 BankRate Report View Year Established 1981 Employees 29 Primary Regulator OCC Assets and Liabilities Assets $158.55 million Loans $108.76 million Deposits $120.33 million Equity Capital $27.00 million Loan Loss Allowance $2.24 million Unbacked Noncurrent Loans $2.68 million Real Estate Owned $645,000 Historic Data - March 2011 Assets $160.12 million Equity Capital $26.07 million Loan Loss Allowance $1.17 million Unbacked Noncurrent Loans $1.88 million Real Estate Owned $1.80 million Profit Margin - Quarterly Net Interest Margin 4.1% Return on Assets 1.62% Return on Equity 9.68% Interest Income $1.89 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 Viking Savings Bank had $3.32 million in non-current loans and owned real-estate with $29.25 million in equity and loan loss allowances on hand to cover it. This gives Viking Savings Bank a Texas Ratio of 11.36% 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 Viking Savings Bank decreased slightly from 13.48% as of March 31, 2011 to 11.36% as of March 31, 2012, resulting in a positive change of 15.70%.This indicates that the balance sheet and financial strength for Viking Savings Bank has improved slightly in recent periods. Deposit Growth In the past year, Viking Savings Bank has increased its total deposits by $2.94 million, resulting in 2.5% 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 Viking Savings Bank 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. Viking Savings Bank has $158.55 million in assets with $29.25 million in equity, resulting in a capitalization level of 18.45%, which is excellent.

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