VISIONBank

VISIONBank is headquartered in Fargo and is the 35^th largest bank in the state of North Dakota. It is also the 4,135^th largest bank in the nation. It was established in 2004 and as of March of 2012, it had grown to 39 employees at 2 locations. VISIONBank has a 2-star health rating.

VISIONBank Routing Number: 091311106

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Data for Q1 2012

Institution Statistics VISIONBank FDIC Certificate # 57892 BankRate Report View Year Established 2004 Employees 39 Primary Regulator FDIC Assets and Liabilities Assets $135.39 million Loans $106.11 million Deposits $113.72 million Equity Capital $12.89 million Loan Loss Allowance $2.40 million Unbacked Noncurrent Loans $3.05 million Real Estate Owned $2.20 million Historic Data - March 2011 Assets $136.19 million Equity Capital $12.47 million Loan Loss Allowance $1.71 million Unbacked Noncurrent Loans $2.89 million Real Estate Owned $127,000 Profit Margin - Quarterly Net Interest Margin 4.31% Return on Assets 0.85% Return on Equity 9.2% Interest Income $1.65 million

Institution Health Overall Score: 2 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 VISIONBank had $5.25 million in non-current loans and owned real-estate with $15.29 million in equity and loan loss allowances on hand to cover it. This gives VISIONBank a Texas Ratio of 34.32% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for VISIONBank increased slightly from 21.30% as of March 31, 2011 to 34.32% as of March 31, 2012, resulting in a negative change of 61.14%. This indicates that the balance sheet and financial strength for VISIONBank has declined slightly in recent periods. Deposit Growth In the past year, VISIONBank has decreased its total deposits by -$1.35 million, resulting in -1.18% 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 VISIONBank has shown is below 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. VISIONBank has $135.38 million in assets with $15.29 million in equity, resulting in a capitalization level of 11.29%, which is above average.

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