Woodlands National Bank

Woodlands National Bank is headquartered in Hinckley and is the 132^nd largest bank in the state of Minnesota. It is also the 4,182^nd largest bank in the nation. It was established in 1908 and as of March of 2012, it had grown to 54 employees at 7 locations. Woodlands National Bank's savings rates are 2X the national average, and it has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Woodlands National Bank FDIC Certificate # 1417 BankRate Report View Year Established 1908 Employees 54 Primary Regulator OCC Assets and Liabilities Assets $132.96 million Loans $73.95 million Deposits $104.82 million Equity Capital $19.20 million Loan Loss Allowance $1.85 million Unbacked Noncurrent Loans $2.59 million Real Estate Owned $2.04 million Historic Data - March 2011 Assets $135.67 million Equity Capital $18.58 million Loan Loss Allowance $1.76 million Unbacked Noncurrent Loans $2.67 million Real Estate Owned $2.06 million Profit Margin - Quarterly Net Interest Margin 4.22% Return on Assets 0.64% Return on Equity 4.51% Interest Income $1.43 million

Institution Health Overall Score: 4 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 Woodlands National Bank had $4.62 million in non-current loans and owned real-estate with $21.04 million in equity and loan loss allowances on hand to cover it. This gives Woodlands National Bank a Texas Ratio of 21.98% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Woodlands National Bank held steady from 22.89% as of March 31, 2011 to 21.98% as of March 31, 2012, resulting in a positive change of 4.01%.This indicates that the balance sheet and financial strength for Woodlands National Bank has held steady in recent periods. Deposit Growth In the past year, Woodlands National Bank has increased its total deposits by $109,000, resulting in 0.1% 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 Woodlands National Bank has shown is 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. Woodlands National Bank has $132.96 million in assets with $21.04 million in equity, resulting in a capitalization level of 15.83%, which is excellent.

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