Village Bank

3350 Bridge St. NW P.O. Box 257
St. Francis, MN 55070
763-753-3007
www.villagebankonline.com

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Village Bank is headquartered in Saint Francis and is the 74^th largest bank in the state of Minnesota. It is also the 2,857^th largest bank in the nation. It was established in 1993 and as of September of 2011, it had grown to 61 employees at 4 locations. Village Bank has a 1-star health rating.

5.00% Reward Checking Account at Village Bank in MN - Local Only - 10/31/2009

Village Bank is offering a high yield rewards checking account called eChecking with the following rates and features if certain monthly requirements are met:5.00% APY on balances up to $10,0001.00% APY on portion of balance over $10,0000.10% base rate...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Village Bank Checking Account Rates

Apy	Min	Max	Product
0.10%	-	$10k	e-Checking
0.10%	$1,500	-	Premium Interest
0.05%	$500	-	Business Interest Checking
0.05%	$100	-	HSA Checking
0.05%	-	-	50+ Interest
0.05%	-	-	VIP Interest

Village Bank Savings Account Rates

Apy	Min	Max	Product
0.40%	$50k	-	Village Classic IRA
0.30%	$100	-	College Savings Fund
0.20%	$25k	-	Health Savings Account
0.10%	$50	-	Village Classic Savings
0.10%	-	-	Minor Thrift

Village Bank Money Market Rates

Apy	Min	Max	Product
0.35%	$100k	-	Village Money Market Savings
0.35%	$100k	-	Village Business Money Market

Village Bank CD Rates

Apy	Min	Max	Product
1.40%	$1k	-	48 Month CD
1.10%	$1k	-	36 Month CD
0.80%	$1k	-	24 Month CD
0.65%	$1k	-	18 Month CD
0.50%	$1k	-	12 Month CD
0.35%	$1k	-	6 Month CD
0.25%	$1k	-	3 Month CD

Village Bank IRA Rates

Apy	Min	Max	Product
1.40%	$1k	-	48 Month IRA
1.40%	$1k	-	48 Month Roth IRA
1.10%	$1k	-	36 Month IRA
1.10%	$1k	-	36 Month Roth IRA
0.80%	$1k	-	24 Month IRA
0.80%	$1k	-	24 Month Roth IRA
0.65%	$1k	-	18 Month IRA
0.65%	$1k	-	18 Month Roth IRA
0.50%	$1k	-	12 Month IRA
0.50%	$1k	-	12 Month Roth IRA
0.35%	$1k	-	6 Month IRA
0.35%	$1k	-	6 Month Roth IRA
0.25%	$1k	-	3 Month IRA
0.25%	$1k	-	3 Month Roth IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

Village Bank
FDIC Certificate #	33761
BankRate Report	View
Year Established	1993
Employees	61
Primary Regulator	FDIC
Assets and Liabilities
Assets	$220.42 million
Loans	$158.30 million
Deposits	$193.07 million
Equity Capital	$10.06 million
Loan Loss Allowance	$9.62 million
Unbacked Noncurrent Loans	$23.20 million
Real Estate Owned	$9.83 million
Historic Data - September 2010
Assets	$246.39 million
Equity Capital	$13.18 million
Loan Loss Allowance	$16.22 million
Unbacked Noncurrent Loans	$9.11 million
Real Estate Owned	$9.20 million
Profit Margin - Quarterly
Net Interest Margin	4.37%
Return on Assets	-1.52%
Return on Equity	-31.71%
Interest Income	$8.19 million

Institution Health

Overall Score:

1 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 September 30, 2011 Village Bank had $33.03 million in non-current loans and owned real-estate with $19.67 million in equity and loan loss allowances on hand to cover it. This gives Village Bank a Texas Ratio of 167.88% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Village Bank increased slightly from 61.17% as of September 30, 2010 to 167.88% as of September 30, 2011, resulting in a negative change of 174.45%. This indicates that the balance sheet and financial strength for Village Bank has declined slightly in recent periods.
Deposit Growth
In the past year, Village Bank has decreased its total deposits by -$27.58 million, resulting in -12.5% 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 Village Bank has shown is poor.
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. Village Bank has $220.42 million in assets with $19.67 million in equity, resulting in a capitalization level of 8.93%, which is average.