Woodland Bank

Woodland Bank is headquartered in Deer River and is the 152^nd largest bank in the state of Minnesota. It is also the 4,685^th largest bank in the nation. It was established in 1920 and as of March of 2012, it had grown to 41 employees at 7 locations. Woodland Bank has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Woodland Bank FDIC Certificate # 8863 BankRate Report View Year Established 1920 Employees 41 Primary Regulator FDIC Assets and Liabilities Assets $111.36 million Loans $78.10 million Deposits $102.16 million Equity Capital $8.47 million Loan Loss Allowance $1.13 million Unbacked Noncurrent Loans $2.62 million Real Estate Owned $2.25 million Historic Data - March 2011 Assets $108.24 million Equity Capital $8.01 million Loan Loss Allowance $1.20 million Unbacked Noncurrent Loans $2.44 million Real Estate Owned $1.11 million Profit Margin - Quarterly Net Interest Margin 4.42% Return on Assets 0.05% Return on Equity 0.61% Interest Income $1.32 million

Institution Health Overall Score: 3 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 Woodland Bank had $4.86 million in non-current loans and owned real-estate with $9.6 million in equity and loan loss allowances on hand to cover it. This gives Woodland Bank a Texas Ratio of 50.62% 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 Woodland Bank increased slightly from 38.58% as of March 31, 2011 to 50.62% as of March 31, 2012, resulting in a negative change of 31.22%. This indicates that the balance sheet and financial strength for Woodland Bank has declined slightly in recent periods. Deposit Growth In the past year, Woodland Bank has increased its total deposits by $2.6 million, resulting in 2.62% 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 Woodland 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. Woodland Bank has $111.36 million in assets with $9.6 million in equity, resulting in a capitalization level of 8.62%, which is average.

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