Winthrop State Bank

Winthrop State Bank is headquartered in Winthrop and is the 372^nd largest bank in the state of Minnesota. It is also the 7,141^st largest bank in the nation. It was established in 1903 and as of March of 2012, it had grown to 7 employees at 1 location. Winthrop State Bank has a 5-star health rating.

Winthrop State Bank Routing Number: 091903433

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Data for Q1 2012

Institution Statistics Winthrop State Bank FDIC Certificate # 15417 BankRate Report View Year Established 1903 Employees 7 Primary Regulator FDIC Assets and Liabilities Assets $21.42 million Loans $4.31 million Deposits $18.62 million Equity Capital $2.65 million Loan Loss Allowance $119,000 Unbacked Noncurrent Loans $1,000 Real Estate Owned $352,000 Historic Data - March 2011 Assets $19.63 million Equity Capital $2.30 million Loan Loss Allowance $115,000 Real Estate Owned $357,000 Profit Margin - Quarterly Net Interest Margin 3.61% Return on Assets 0.87% Return on Equity 7.14% Interest Income $178,000

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 Winthrop State Bank had $353,000 in non-current loans and owned real-estate with $2.77 million in equity and loan loss allowances on hand to cover it. This gives Winthrop State Bank a Texas Ratio of 12.74% 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 Winthrop State Bank held steady from 14.81% as of March 31, 2011 to 12.74% as of March 31, 2012, resulting in a positive change of 14.00%.This indicates that the balance sheet and financial strength for Winthrop State Bank has held steady in recent periods. Deposit Growth In the past year, Winthrop State Bank has increased its total deposits by $1.37 million, resulting in 7.94% 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 Winthrop State 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. Winthrop State Bank has $21.42 million in assets with $2.77 million in equity, resulting in a capitalization level of 12.94%, which is excellent.

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