Minnesota Bank Performance: 3rd Quarter 2012

By: Star Tribune
Updated: December 5, 2012 - 1:33 PM

Minnesota banks continue recovering from the financial crisis and Great Recession. Here’s a look at individual results year-to-date, through the third quarter. This FDIC data does not include Wells Fargo Bank, U.S. Bank, TCF Bank or BMO Harris Bank because they are chartered elsewhere.

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Name	City	Assets (000's)	2012 Net Income through 3Q (000's)	Return on Assets (%)	Tier 1 Risk-based Capital Ratio (%)	Net Loans & Leases (000's)	Noncurrent Loans to Loans (%)	Net Charge-offs to Loans (%)
1st Regents Bank	Andover	$50,208	-$908	-2.1	2.2	$35,910	13.8	2.4
1st United Bank	Faribault	$140,253	$1,193	1.2	11.6	$78,489	1.5	0.3
21st Century Bank	Loretto	$347,574	$857	0.3	16.8	$273,574	0.8	2.0
Adrian State Bank	Adrian	$37,139	$200	0.7	14.9	$20,198	0.2	0.0
Alliance Bank	Lake City	$589,231	-$88	0.0	12.9	$434,152	4.9	0.8
Altura State Bank	Altura	$47,162	$714	2.0	22.8	$27,887	0.0	0.0
American Bank of St. Paul	Saint Paul	$381,937	-$4,585	-1.5	7.3	$175,100	8.8	1.5
American Bank of the North	Nashwauk	$597,525	-$4,390	-1.0	7.3	$440,387	12.8	2.9
American Heritage National Bank	Long Prairie	$207,006	$1,657	1.1	17.0	$151,242	0.4	0.0
American Investors Bank and Mortgage	Eden Prairie	$94,474	$563	0.8	16.0	$33,740	1.5	2.7
American National Bank of Minnesota	Baxter	$267,305	$496	0.2	14.7	$172,007	5.7	0.3
American State Bank of Erskine	Erskine	$23,889	$164	0.9	27.3	$10,425	0.0	0.0
American State Bank of Grygla	Grygla	$24,357	$309	1.6	17.5	$15,366	0.1	0.0
Americana Community Bank	Sleepy Eye	$123,707	-$57	-0.1	4.9	$71,115	2.3	1.1
Ameriprise Bank, FSB	Minneapolis	$4,911,811	-$79,497	-2.0	15.8	$1,207,718	0.4	13.2
Anchor Bank, National Association	Saint Paul	$1,371,843	$8,297	0.8	11.4	$944,510	1.3	0.6
Annandale State Bank	Annandale	$127,207	$810	0.9	12.5	$67,294	3.6	0.4
Arlington State Bank	Arlington	$56,883	$458	1.1	18.5	$23,572	2.7	0.0
Atwater State Bank	Atwater	$43,792	$250	0.8	14.1	$30,411	0.8	0.0
Avon State Bank	Avon	$109,436	$219	0.3	25.2	$49,397	1.5	0.1
Bank of Maple Plain	Maple Plain	$71,407	$659	1.3	26.2	$34,252	0.2	-0.3
Bank of Zumbrota	Zumbrota	$133,972	$1,562	1.5	14.5	$91,860	2.5	0.2
BankCherokee	Saint Paul	$233,981	-$51	0.0	9.8	$147,729	2.8	0.3
BankVista	Sartell	$109,278	$841	1.0	11.4	$96,296	0.8	0.2
BANKWEST	Rockford	$104,972	$582	0.7	11.7	$73,130	2.3	0.3
Beacon Bank	Shorewood	$301,066	$1,811	0.8	16.1	$172,440	2.3	1.1
Blaine State Bank	Blaine	$35,690	-$288	-1.0	8.7	$22,964	2.1	0.3
Bonanza Valley State Bank	Brooten	$52,805	$266	0.7	9.7	$43,168	2.3	0.3
Border State Bank	Greenbush	$338,261	$1,693	0.7	11.0	$242,578	3.4	0.4
Boundary Waters Bank	Ely	$106,832	-$221	-0.3	4.7	$75,737	2.9	2.1
Brainerd Savings and Loan Association, A Federal Association	Brainerd	$65,026	$232	0.5	12.4	$46,686	2.7	-0.2
Bremer Bank, National Association	Saint Cloud	$618,641	$7,237	1.6	10.9	$495,727	1.4	0.2
Bremer Bank, National Association	International Fa	$113,703	$828	1.0	15.4	$48,526	0.5	0.0
Bremer Bank, National Association	Willmar	$601,196	$6,173	1.4	10.4	$469,832	0.9	0.2
BREMER BANK, NATIONAL ASSOCIATION	Alexandria	$619,074	$5,328	1.2	12.1	$412,854	1.8	0.1
Bremer Bank, National Association	Brainerd	$347,434	$2,755	1.1	12.5	$242,603	1.7	0.7
Bremer Bank, National Association	South St. Paul	$2,689,906	$18,128	0.9	11.0	$1,743,608	1.0	0.3
Bridgewater Bank	Bloomington	$442,974	$3,744	1.2	9.8	$361,442	2.6	0.7
Cambridge State Bank	Cambridge	$71,647	$165	0.3	16.3	$49,665	6.1	1.8
Capital Bank	St. Paul	$37,068	$294	1.1	16.8	$13,884	7.5	0.1
Castle Rock Bank	Castle Rock	$159,715	$1,868	1.6	24.4	$69,268	2.9	0.1
CenBank	Buffalo Lake	$54,206	$349	0.9	13.6	$30,306	0.1	0.0
Center National Bank	Litchfield	$178,994	$1,778	1.3	16.5	$82,200	1.1	0.7
Central Bank	Stillwater	$1,207,699	$15,848	1.9	14.1	$792,135	1.3	0.8
Choice Financial Savings Bank	Comfrey	$14,172	$51	0.5	19.6	$6,316	5.4	-1.0
Citizens Alliance Bank	Clara City	$456,123	$3,840	1.2	11.1	$291,343	1.3	0.1
Citizens Bank & Trust Co.	Hutchinson	$186,169	$1,924	1.4	14.0	$121,382	1.9	0.3
Citizens Bank Minnesota	New Ulm	$318,701	$2,544	1.1	14.6	$187,765	0.5	0.0
Citizens Independent Bank	Saint Louis Park	$299,372	$292	0.1	11.5	$206,658	3.9	0.5
Citizens State Bank Norwood Young America	Norwood Young Am	$84,577	-$74	-0.1	9.7	$63,129	4.4	0.5
Citizens State Bank of Glenville	Glenville	$39,747	$236	0.8	26.0	$12,930	0.0	0.0
Citizens State Bank of Hayfield	Hayfield	$74,572	$552	1.0	10.1	$55,078	2.4	0.0
Citizens State Bank of Roseau	Roseau	$193,950	$2,634	1.8	20.0	$86,038	0.3	0.0
Citizens State Bank of Shakopee	Shakopee	$20,754	-$34	-0.2	12.5	$13,013	1.9	-0.1
Citizens State Bank of Tyler, Incorporated	Tyler	$18,278	$50	0.4	14.7	$4,615	6.0	0.5
Citizens State Bank of Waverly, Inc.	Waverly	$60,563	$795	1.7	14.5	$40,370	1.5	0.1
Clinton State Bank	Clinton	$69,683	$1,053	2.1	18.8	$42,927	1.4	0.0
Commerce Bank	Geneva	$172,326	$632	0.4	17.5	$121,931	13.9	2.2
Commercial Bank of Minnesota	Heron Lake	$34,399	-$554	-2.1	12.0	$19,765	1.8	0.0
Community Bank Corporation	Chaska	$149,994	$1,358	1.2	17.8	$108,053	2.6	-0.7
Community Bank Mankato	Vernon Center	$190,324	$2,150	1.5	10.9	$149,467	1.7	0.4
Community Bank Owatonna	Owatonna	$54,781	$260	0.7	15.4	$31,193	5.9	0.7
Community Development Bank, FSB	Ogema	$71,237	$458	0.9	16.0	$41,747	3.1	0.5
Community Pride Bank	Isanti	$88,601	$808	1.2	15.1	$55,763	1.1	0.1
Community Resource Bank	Northfield	$232,684	$374	0.2	11.8	$142,790	3.2	1.7
Concorde Bank	Blomkest	$55,045	$235	0.6	11.8	$30,418	1.5	0.0
Cornerstone State Bank	Montgomery	$122,175	$898	1.0	9.7	$80,131	2.2	0.7
Crookston National Bank	Crookston	$54,994	$303	0.7	14.7	$28,537	0.0	0.0
Crow River State Bank	Delano	$80,158	$698	1.2	21.0	$27,697	0.6	0.0
Crown Bank	Edina	$196,860	-$2,403	-1.5	8.8	$162,637	2.4	3.2
Currie State Bank	Currie	$44,699	$443	1.3	11.4	$38,633	1.2	0.3
Drake Bank	Saint Paul	$83,327	$388	0.6	12.6	$68,998	3.1	1.3
Eagle Bank	Glenwood	$113,810	$1,231	1.5	22.8	$72,442	0.3	0.0
Eagle Community Bank	Maple Grove	$20,497	-$582	-3.7	6.9	$13,330	1.6	0.0
Eastwood Bank	Kasson	$553,653	$5,833	1.4	11.8	$350,286	1.9	0.2
Eitzen State Bank	Caledonia	$82,210	$930	1.5	12.5	$48,733	0.5	0.0
Elysian Bank	Elysian	$43,730	$230	0.7	16.9	$18,216	9.0	1.2
Equity Bank	Minnetonka	$48,104	$89	0.2	13.1	$42,309	3.9	0.0
Exchange State Bank	Luverne	$140,761	$1,319	1.3	12.5	$84,248	0.1	0.0
F & M Bank Minnesota	Clarkfield	$102,486	$600	0.8	11.3	$57,658	0.2	0.0
F & M Community Bank, National Association	Preston	$94,805	$1,314	1.9	12.9	$65,986	1.6	0.2
Falcon National Bank	Foley	$139,076	$1,250	1.3	13.9	$97,807	0.5	0.6
Farmers & Merchants State Bank of New York Mills, Incorporated	New York Mills	$55,337	$328	0.8	19.9	$27,235	0.0	-0.2
Farmers and Merchants State Bank	Paynesville	$26,261	$237	1.2	26.4	$7,669	0.2	-0.1
Farmers and Merchants State Bank of Alpha	Alpha	$33,473	$171	0.7	15.8	$21,928	1.7	-0.2
Farmers and Merchants State Bank of Appleton	Appleton	$45,170	$419	1.3	19.2	$24,270	1.1	0.0
Farmers and Merchants State Bank of Blooming Prairie	Blooming Prairie	$70,827	$904	1.6	11.9	$55,959	2.2	0.0
Farmers and Merchants State Bank of Pierz	Pierz	$167,522	$3,473	2.7	14.1	$117,175	0.9	0.2
Farmers and Merchants State Bank of Sacred Heart	Sacred Heart	$24,363	-$125	-0.7	17.7	$11,887	2.3	1.0
Farmers and Merchants State Bank of Springfield	Springfield	$117,851	$447	0.5	11.2	$67,044	1.6	0.0
Farmers State Bank of Adams, Minnesota	Adams	$79,135	$1,427	2.4	13.9	$58,849	0.0	0.0
Farmers State Bank of Darwin	Darwin	$33,857	$279	1.1	12.5	$13,099	1.0	0.0
Farmers State Bank of Elkton	Elkton	$50,127	$319	0.9	13.4	$25,717	1.4	0.6
Farmers State Bank of Hamel	Hamel	$94,726	$553	0.8	25.1	$30,855	0.0	0.0
Farmers State Bank of Hartland	Hartland	$92,870	$642	0.9	11.3	$67,220	0.9	0.3
Farmers State Bank of Hoffman	Hoffman	$28,721	$378	1.8	19.3	$13,483	0.1	0.0
Farmers State Bank of Madelia, Incorporated	Madelia	$62,313	$526	1.1	18.0	$31,738	0.3	0.2
Farmers State Bank of Trimont	Trimont	$56,961	$459	1.1	24.1	$23,290	0.4	0.0
Farmers State Bank of Underwood	Underwood	$48,664	$617	1.8	12.1	$34,672	0.2	0.0
Farmers State Bank of Watkins	Watkins	$38,850	$484	1.7	21.0	$19,252	1.7	0.1
Farmers State Bank of West Concord	West Concord	$46,188	$262	0.8	17.3	$24,594	2.5	0.0
Fidelity Bank	Edina	$487,411	$6,171	2.0	14.7	$390,920	0.9	0.2
Financial Security Bank	Kerkhoven	$54,045	$629	1.6	15.5	$46,395	1.3	0.3
First Advantage Bank	Coon Rapids	$60,870	$97	0.2	16.1	$29,683	1.6	0.3
First Bank & Trust, National Association	Pipestone	$177,702	$1,686	1.3	11.3	$114,125	1.3	0.0
First Bank Blue Earth	Blue Earth	$166,235	$2,549	2.1	15.1	$112,305	1.5	0.0
First Community Bank Lester Prairie	Lester Prairie	$27,985	$299	1.4	14.0	$14,604	3.7	0.9
First Community Bank Silver Lake	Silver Lake	$24,925	$431	2.3	18.7	$10,233	1.3	0.0
First Farmers & Merchants National Bank	Le Sueur	$108,554	$1,236	1.5	13.2	$70,686	6.1	0.4
First Farmers & Merchants National Bank	Fairmont	$88,998	$1,346	2.0	14.0	$76,253	2.7	0.0
First Farmers & Merchants State Bank	Brownsdale	$82,975	$670	1.1	17.8	$45,349	1.1	0.8
First Farmers & Merchants State Bank of Grand Meadow	Grand Meadow	$40,214	$251	0.8	16.2	$26,650	3.2	-0.3
First Farmers and Merchants National Bank	Luverne	$151,305	$2,312	2.0	16.0	$108,434	0.3	0.0
First Financial Bank	Twin Valley	$15,629	$26	0.2	32.3	$4,376	0.0	-0.1
First Financial Bank in Winnebago	Winnebago	$42,080	$722	2.3	19.9	$28,248	1.0	0.0
First Independent Bank	Russell	$218,961	$1,522	1.0	11.1	$140,485	0.7	0.1
First Minnesota Bank	Minnetonka	$392,243	$495	0.2	21.6	$105,145	0.6	0.7
First Minnetonka City Bank	Minnetonka	$195,840	$1,772	1.2	14.5	$106,663	1.7	0.8
First National Bank	Chisholm	$85,617	$658	1.0	18.2	$16,546	0.9	0.8
First National Bank	Slayton	$199,690	$846	0.6	12.8	$106,899	1.6	0.1
First National Bank in Mahnomen	Mahnomen	$73,760	$796	1.5	15.8	$39,632	0.9	-0.4
First National Bank Minnesota	St. Peter	$191,265	$646	0.4	16.3	$107,935	2.2	-0.2
First National Bank of Menahga & Sebeka	Menahga	$83,217	$788	1.3	22.7	$42,425	1.5	0.9
First National Bank of the Lakes	Navarre	$63,117	$54	0.1	20.5	$23,837	3.4	0.4
First Resource Bank	Savage	$89,227	$1,080	1.9	29.1	$40,927	1.1	0.3
First Security Bank	Byron	$50,949	$353	0.9	12.3	$33,536	0.8	0.2
First Security Bank - Canby.	Canby	$62,246	$985	2.1	17.9	$29,946	1.4	0.0
First Security Bank - Sleepy Eye	Sleepy Eye	$201,524	$3,386	2.3	15.0	$131,860	1.1	0.0
First Security Bank-Hendricks	Hendricks	$20,347	$288	2.0	19.7	$9,401	0.0	0.0
First Southeast Bank	Harmony	$81,621	$1,036	1.7	11.0	$68,420	0.2	0.1
First State Bank and Trust	Bayport	$205,476	$1,051	0.7	13.4	$124,108	0.5	0.6
First State Bank Minnesota	Le Roy	$68,313	$460	0.9	14.1	$32,799	0.3	0.1
First State Bank of Ashby	Ashby	$29,950	$127	0.6	14.4	$16,135	1.1	0.1
First State Bank of Bigfork	Bigfork	$64,097	$248	0.5	16.8	$44,751	7.4	0.0
First State Bank of Clearbrook	Clearbrook	$37,423	$348	1.3	16.7	$17,369	0.7	0.0
First State Bank of Fertile	Fertile	$40,845	$156	0.5	26.7	$13,560	0.5	0.0
First State Bank of Fountain	Fountain	$34,102	$81	0.3	19.3	$18,157	0.0	0.0
First State Bank of Grove City	Grove City	$22,707	$242	1.5	32.1	$13,967	2.2	1.0
First State Bank of Kiester	Kiester	$17,299	-$36	-0.3	11.5	$10,163	2.6	0.4
First State Bank of Le Center	Le Center	$69,614	$807	1.6	13.6	$44,250	0.2	0.1
First State Bank of Murdock	Murdock	$10,690	$3	0.0	13.9	$5,201	0.8	0.0
First State Bank of Okabena (Incorporated)	Okabena	$18,695	$23	0.2	33.4	$7,478	0.2	0.0
First State Bank of Sauk Centre	Sauk Centre	$106,816	$725	0.9	25.2	$43,272	2.4	0.0
First State Bank of Swanville	Swanville	$28,504	$39	0.2	14.6	$19,162	3.8	2.1
First State Bank of Wabasha	Wabasha	$118,310	$861	1.0	20.2	$39,893	2.6	1.4
First State Bank of Wyoming	Wyoming	$147,413	$871	0.8	27.2	$59,433	3.1	0.4
First State Bank Southwest	Pipestone	$208,718	$3,702	2.4	16.9	$105,634	0.0	-0.1
Flagship Bank Minnesota	Wayzata	$93,409	-$101	-0.1	5.7	$63,397	2.4	1.0
Flagship Bank Winsted	Winsted	$39,128	-$71	-0.2	13.1	$19,826	1.7	0.5
Frandsen Bank & Trust	Lonsdale	$1,459,033	$14,340	1.3	13.2	$787,060	2.6	0.3
Franklin National Bank of Minneapolis	Minneapolis	$156,254	$1,401	1.3	17.2	$112,987	0.5	-0.1
Franklin State Bank	Franklin	$27,388	$182	0.9	18.9	$16,744	0.1	0.1
Freeport State Bank	Freeport	$90,474	$713	1.1	11.8	$68,964	0.3	0.0
Frost State Bank	Frost	$35,005	$409	1.6	12.6	$29,334	1.1	0.1
Gateway Bank	Mendota Heights	$105,000	$1,223	1.6	12.3	$80,313	0.8	0.2
Glenwood State Bank (Incorporated)	Glenwood	$192,469	$1,559	1.1	11.1	$171,738	1.0	0.3
Grand Marais State Bank	Grand Marais	$82,932	$1,106	2.0	14.0	$41,791	0.0	0.1
Grand Rapids State Bank	Grand Rapids	$246,009	$2,050	1.1	18.7	$114,022	0.1	0.4
Grand Timber Bank	Mcgregor	$42,515	$326	1.0	16.6	$28,807	5.0	0.6
Granite Falls Bank	Granite Falls	$194,484	$2,332	1.6	14.7	$54,686	0.5	0.1
Great Northern Bank	Saint Michael	$73,375	$176	0.3	9.4	$40,117	1.3	0.9
Heritage Bank National Association	Spicer	$430,030	$3,617	1.1	14.2	$265,161	1.5	0.3
Highland Bank	Saint Michael	$463,111	$2,541	0.7	13.3	$226,839	2.4	0.6
Home Federal Savings Bank	Rochester	$643,175	$4,419	0.8	13.3	$478,548	6.9	1.5
Home State Bank	Litchfield	$131,927	$1,353	1.4	16.2	$74,277	0.1	-0.4
HomeTown Bank	Redwood Falls	$198,648	$1,931	1.3	14.4	$129,708	0.3	0.0
Hometown Community Bank	Cyrus	$25,031	-$5	0.0	12.2	$14,328	3.7	0.4
Integrity Bank Plus	Wabasso	$59,106	$615	1.5	11.3	$44,153	1.3	0.1
Jackson Federal Savings and Loan Association	Jackson	$38,090	$288	1.0	37.8	$16,330	0.0	0.0
Janesville State Bank	Janesville	$54,944	$648	1.6	17.3	$31,879	0.0	0.0
Kanabec State Bank	Mora	$145,757	$560	0.5	27.5	$47,417	3.5	0.6
Kasson State Bank	Kasson	$61,505	$243	0.5	11.7	$37,425	0.4	0.4
Kensington Bank	Kensington	$105,684	-$302	-0.5	9.1	$69,872	4.0	0.2
Key Community Bank	Inver Grove Heig	$51,822	-$1,513	-3.7	8.8	$28,605	8.0	3.7
KleinBank	Big Lake	$1,555,311	$9,473	0.8	15.5	$665,540	1.7	0.6
Lake Area Bank	Lindstrom	$275,706	-$646	-0.3	11.3	$181,543	8.8	2.6
Lake City Federal Bank	Lake City	$74,130	$66	0.1	14.1	$54,152	6.7	0.0
Lake Community Bank	Long Lake	$132,559	$380	0.4	13.3	$79,887	6.7	0.4
Lake Country Community Bank	Morristown	$29,801	$45	0.2	8.0	$16,957	0.9	1.3
Lake Elmo Bank	Lake Elmo	$293,373	$900	0.4	14.0	$159,309	1.5	0.3
Lake Region Bank	New London	$98,345	$745	1.0	12.9	$52,523	2.4	0.1
Lakes State Bank	Pequot Lakes	$113,433	$1,049	1.3	16.0	$69,417	0.8	0.5
Lakeview Bank	Lakeville	$54,424	$130	0.3	11.5	$37,027	5.0	0.4
Landmark Community Bank, National Association	Isanti	$99,418	-$288	-0.4	9.6	$64,717	1.9	1.2
Liberty Savings Bank fsb	Saint Cloud	$173,865	$1,776	1.4	16.8	$102,503	0.0	0.4
Lowry State Bank	Lowry	$40,992	$665	2.3	10.1	$35,498	2.5	0.2
Maple Bank	Champlin	$56,359	-$630	-1.5	10.8	$40,097	2.8	1.9
Marshall County State Bank	Newfolden	$27,784	$186	0.9	45.9	$9,752	0.4	0.0
Merchants Bank, National Association	Winona	$1,334,733	$13,025	1.3	12.9	$841,164	1.8	0.1
Mid-Central Federal Savings Bank	Wadena	$98,680	$720	1.0	14.0	$79,892	1.1	0.3
Midwest Bank	Detroit Lakes	$315,541	$5,208	2.2	10.4	$272,583	0.2	0.0
Mills Resolute Bank	Sanborn	$21,655	$151	0.9	9.8	$17,296	0.3	0.3
Minnesota Bank & Trust	Edina	$109,586	-$109	-0.1	13.5	$90,456	0.0	0.0
Minnesota First Credit and Savings, Incorporated	Rochester	$30,173	$169	0.8	15.7	$26,649	1.4	0.8
Minnesota National Bank	Sauk Centre	$199,196	$1,766	1.2	13.4	$115,046	0.7	0.2
Minnstar Bank National Association	Lake Crystal	$109,717	$308	0.4	12.9	$66,506	2.6	0.2
Minnwest Bank Central	Montevideo	$300,048	$2,603	1.1	12.0	$237,151	0.3	0.0
Minnwest Bank Luverne	Luverne	$163,645	$957	0.8	12.8	$108,780	0.6	0.1
Minnwest Bank Metro	Eagan	$223,395	-$586	-0.3	12.1	$154,163	3.3	0.6
Minnwest Bank South	Tracy	$212,331	$539	0.3	13.0	$132,421	1.7	-0.3
Minnwest Bank, M.V.	Redwood Falls	$496,335	$4,778	1.3	11.9	$394,856	0.8	-0.1
Neighborhood National Bank	Alexandria	$47,731	$98	0.3	15.2	$26,599	4.1	0.5
New Market Bank	Elko New Market	$84,639	$65	0.1	15.5	$44,828	3.4	0.7
North American Banking Company	Roseville	$267,954	$1,332	0.7	13.1	$176,267	0.8	0.1
North American State Bank	Belgrade	$106,041	-$347	-0.4	15.4	$50,229	7.8	0.3
North Shore Bank of Commerce	Duluth	$232,847	$2,073	1.2	10.2	$172,128	1.5	0.1
North Star Bank	Roseville	$245,587	$272	0.1	12.7	$110,029	4.4	0.2
Northeast Bank	Minneapolis	$344,731	$1,756	0.7	14.0	$256,051	4.3	0.2
Northern Star Bank	Mankato	$28,539	-$184	-0.9	5.6	$18,298	0.2	0.5
Northern State Bank of Thief River Falls	Thief River Fall	$272,729	$1,721	0.9	25.0	$112,415	1.9	0.1
Northern State Bank of Virginia	Virginia	$62,436	$82	0.2	11.3	$39,039	0.9	0.3
Northview Bank	Sandstone	$223,907	$1,792	1.1	11.2	$167,460	2.1	0.1
Northwestern Bank, National Association	Dilworth	$134,284	$551	0.5	14.5	$80,036	2.4	0.2
Northwoods Bank of Minnesota	Park Rapids	$113,150	$594	0.7	14.8	$57,152	7.9	0.9
Odin State Bank	Odin	$37,376	$435	1.6	19.2	$21,597	1.2	0.4
Olmsted National Bank	Rochester	$54,121	-$87	-0.2	12.1	$34,284	0.4	0.1
Ormsby State Bank	Ormsby	$27,077	$320	1.6	20.5	$9,799	0.0	0.0
Paragon Bank	Wells	$30,256	$135	0.6	12.8	$20,272	1.9	-0.1
Park Midway Bank, National Association	Saint Paul	$247,273	$3,962	2.1	16.3	$193,815	1.7	0.2
Park State Bank	Duluth	$29,726	-$109	-0.5	9.8	$18,539	0.1	0.2
Peoples Bank of Commerce	Cambridge	$288,722	$2,848	1.3	16.7	$174,373	8.8	0.6
Peoples National Bank of Mora	Mora	$155,386	$950	0.8	18.6	$78,186	3.9	0.4
Peoples State Bank of Madison Lake	Madison Lake	$23,859	$28	0.2	13.0	$13,077	4.4	1.8
Peoples State Bank of Plainview	Plainview	$182,304	$1,847	1.4	13.6	$109,607	1.5	-0.1
Peoples State Bank of Wells	Wells	$27,081	$317	1.6	15.4	$19,210	0.3	0.0
Pine Country Bank	Little Falls	$157,626	$1,040	0.9	11.2	$91,099	3.7	0.2
Pine Island Bank	Pine Island	$71,928	$550	1.0	13.2	$37,774	1.2	0.0
Pine River State Bank	Pine River	$98,583	$477	0.7	16.0	$48,834	0.1	0.1
Pioneer Bank	Mapleton	$275,176	$2,095	1.0	12.7	$205,006	1.3	0.1
Platinum Bank	Oakdale	$153,390	$1,154	1.1	15.2	$94,858	1.2	0.1
Plaza Park State Bank	Waite Park	$169,853	$1,524	1.2	11.2	$131,891	5.1	0.2
Prairie Sun Bank	Milan	$32,156	$561	2.4	10.5	$18,842	0.6	0.2
Premier Bank	Maplewood	$557,044	$2,550	0.6	9.0	$384,763	3.0	0.6
Premier Bank Minnesota	Farmington	$173,782	$576	0.4	10.6	$108,689	1.2	1.4
Premier Bank Rochester	Rochester	$146,062	$800	0.7	10.5	$100,427	0.1	0.8
Prime Security Bank	Karlstad	$63,938	-$163	-0.3	8.8	$43,143	4.7	0.6
PrinsBank	Prinsburg	$109,942	$2,063	2.5	10.8	$88,736	3.6	0.6
Prior Lake State Bank	Prior Lake	$198,116	$2,325	1.6	21.5	$97,981	2.0	0.0
Private Bank Minnesota	Minneapolis	$140,967	-$102	-0.1	11.4	$117,524	2.8	1.3
Produce State Bank	Hollandale	$41,779	$421	1.4	18.9	$23,676	4.0	-0.2
Profinium Financial, Inc.	Truman	$314,902	$1,483	0.6	12.3	$194,302	1.4	0.1
ProGrowth Bank	Nicollet	$135,707	$347	0.3	13.9	$66,905	3.4	0.9
Provincial Bank	Lakeville	$70,452	$1,147	2.1	14.5	$55,000	1.7	0.0
Randall State Bank	Randall	$35,152	$417	1.6	24.3	$19,033	3.4	0.0
Red River State Bank	Halstad	$46,800	$774	2.1	13.1	$39,297	1.1	0.1
Reliance Bank	Faribault	$66,540	$518	1.1	14.9	$44,420	2.8	1.2
Republic Bank, Inc.	Duluth	$305,804	$2,734	1.2	11.4	$260,811	1.2	0.3
Riverland Bank	Jordan	$32,777	-$368	-1.6	9.3	$20,639	3.4	1.1
RiverWood Bank	Baxter	$157,122	$75	0.1	11.1	$110,388	4.2	0.7
RiverWood Bank	Bemidji	$155,865	$191	0.2	12.8	$102,665	4.2	0.3
Root River State Bank	Chatfield	$63,738	$172	0.4	19.3	$35,116	0.0	0.1
Roundbank	Waseca	$288,456	$3,631	1.7	12.7	$198,532	4.8	0.6
Rushford State Bank (Incorporated)	Rushford	$50,646	$367	1.0	11.0	$34,086	1.7	0.1
Security Bank & Trust Company	Glencoe	$235,354	$2,861	1.6	12.9	$135,177	1.0	0.3
Security Bank Minnesota	Albert Lea	$95,348	$954	1.3	15.6	$55,571	0.4	0.6
Security Bank USA	Bemidji	$110,918	$1,448	1.8	11.8	$82,746	1.6	0.1
Security Bank Waconia	Waconia	$173,896	$1,502	1.2	14.5	$92,267	0.3	0.1
Security State Bank of Aitkin	Aitkin	$88,597	$72	0.1	13.9	$56,983	4.7	0.5
Security State Bank of Fergus Falls	Fergus Falls	$141,107	$740	0.7	13.2	$93,973	0.6	0.7
Security State Bank of Hibbing	Hibbing	$102,166	$408	0.5	16.7	$47,090	6.2	0.0
Security State Bank of Kenyon	Kenyon	$52,078	$402	1.0	12.1	$38,408	6.6	0.1
Security State Bank of Lewiston	Lewiston	$65,826	-$325	-0.7	12.3	$34,147	0.7	1.8
Security State Bank of Marine	Marine On St. Cr	$110,488	$564	0.7	17.4	$72,688	0.5	0.9
Security State Bank of Oklee	Oklee	$28,865	$116	0.5	41.4	$7,743	0.1	0.0
Security State Bank of Wanamingo	Wanamingo	$70,485	$795	1.5	13.0	$46,832	0.5	0.4
Security State Bank of Warroad	Warroad	$87,844	-$102	-0.2	26.8	$45,574	4.2	1.3
Sentry Bank	Saint Joseph	$160,279	$2,166	1.8	13.9	$87,140	0.6	0.4
Sherburne State Bank	Becker	$76,951	$429	0.8	14.5	$41,150	3.0	0.6
Signature Bank	Minnetonka	$218,891	$1,684	1.2	11.8	$163,305	3.6	0.1
St James Federal Savings and Loan Association	Saint James	$27,558	$114	0.6	13.9	$18,558	0.8	0.2
St. Clair State Bank (Incorporated)	Saint Clair	$75,055	$837	1.5	17.6	$49,913	0.0	0.0
St. Martin National Bank	Saint Martin	$19,740	$222	1.6	26.4	$9,802	0.0	0.0
Star Bank	Bertha	$210,493	$1,929	1.6	10.5	$145,087	0.3	0.0
State Bank in Eden Valley	Eden Valley	$28,508	$434	2.1	15.5	$15,364	0.9	-0.6
State Bank of Belle Plaine	Belle Plaine	$98,968	$664	0.9	22.5	$38,354	3.5	0.1
State Bank of Bellingham	Bellingham	$35,113	$447	1.7	11.2	$30,618	0.0	0.0
State Bank of Ceylon	Ceylon	$12,435	$24	0.3	21.0	$5,333	0.5	0.3
State Bank of Chandler	Chandler	$39,061	$350	1.2	18.2	$21,358	0.3	-0.2
State Bank of Clarks Grove	Albert Lea	$23,012	$64	0.4	24.0	$6,731	1.8	-0.1
State Bank of Cold Spring	Cold Spring	$51,874	$295	0.8	14.8	$28,856	2.7	-0.4
State Bank of Danvers	Benson	$45,396	$311	1.0	18.3	$21,856	0.1	0.0
State Bank of Delano	Delano	$75,442	-$148	-0.2	7.4	$41,896	6.0	1.3
State Bank of Easton	Easton	$21,086	$54	0.3	15.5	$13,087	7.0	0.0
State Bank of Fairmont	Fairmont	$98,564	$1,200	1.7	14.1	$67,947	1.3	0.2
State Bank of Gibbon	Gibbon	$24,886	$288	1.5	13.9	$14,816	0.2	0.0
State Bank of Hamburg	Hamburg	$21,719	$40	0.3	17.0	$9,775	0.0	0.2
State Bank of Hawley	Hawley	$94,741	$943	1.4	15.5	$49,750	1.0	0.1
State Bank of Jeffers	Jeffers	$23,669	$151	0.9	22.2	$11,458	0.0	-0.1
State Bank of Kimball	Kimball	$75,980	$1,067	1.9	14.2	$49,632	0.8	0.0
State Bank of Lake Park	Lake Park	$34,776	$427	1.6	14.5	$18,135	0.2	0.0
State Bank of Lismore	Lismore	$40,989	$398	1.3	12.5	$32,021	0.0	0.0
State Bank of Marietta	Marietta	$12,748	$115	1.3	11.0	$5,077	1.1	0.0
State Bank of New Prague	New Prague	$117,661	$1,740	1.9	20.2	$41,112	6.0	0.8
State Bank of New Richland	New Richland	$94,313	$1,871	2.7	12.6	$70,039	0.7	0.1
State Bank of Park Rapids	Park Rapids	$90,385	$1,078	1.6	17.9	$41,864	2.8	0.0
State Bank of Richmond	Richmond	$86,305	$551	0.8	25.4	$33,514	0.1	-0.2
State Bank of Taunton	Taunton	$68,919	$431	0.8	10.9	$45,918	0.2	0.5
State Bank of Wheaton	Wheaton	$66,743	$717	1.4	29.7	$43,216	1.7	-0.1
Stearns Bank Holdingford National Association	Holdingford	$109,520	$1,455	1.8	15.7	$74,332	0.7	0.6
Stearns Bank National Association	Saint Cloud	$1,416,636	$42,302	4.4	24.0	$1,030,655	1.2	0.1
Stearns Bank Upsala National Association	Upsala	$88,554	$736	1.2	16.1	$50,039	0.7	0.6
Sterling State Bank	Austin	$296,717	$777	0.3	12.5	$170,611	2.1	0.0
Stonebridge Bank	Minneapolis	$106,156	$354	0.5	9.9	$71,841	0.0	0.0
Summit Community Bank	Maplewood	$63,641	$783	1.7	21.5	$44,957	0.9	1.4
The Bank of Elk River	Elk River	$369,342	$796	0.3	7.8	$236,579	4.9	1.7
The Buffalo Ridge Bank	Beardsley	$45,424	$715	2.2	11.4	$25,776	0.1	0.0
The Business Bank	Minnetonka	$228,642	$2,200	1.6	10.9	$197,195	0.6	0.2
The Citizens National Bank of Park Rapids	Park Rapids	$201,511	$2,716	1.8	14.3	$137,286	1.3	0.0
The Citizens State Bank of Olivia	Olivia	$26,004	-$95	-0.5	13.2	$10,950	1.0	1.3
The First National Bank at St. James	Saint James	$28,313	$54	0.3	15.0	$15,486	1.8	0.0
The First National Bank in Wadena	Wadena	$55,471	$179	0.4	15.1	$27,584	2.2	0.1
The First National Bank of Bagley	Bagley	$79,618	$408	0.7	13.1	$40,592	1.2	0.0
The First National Bank of Battle Lake	Battle Lake	$69,173	$766	1.5	18.3	$29,656	0.1	0.2
The First National Bank of Bemidji	Bemidji	$570,464	$7,465	1.8	22.6	$264,640	1.1	0.1
The First National Bank of Buhl	Buhl	$24,073	-$6	0.0	10.7	$17,156	2.8	0.0
The First National Bank of Cokato	Cokato	$41,584	$102	0.4	13.3	$20,964	0.3	0.0
The First National Bank of Cold Spring	Cold Spring	$75,994	$588	1.0	15.0	$56,084	0.0	0.3
The First National Bank of Coleraine	Coleraine	$75,977	$313	0.6	16.8	$23,230	0.2	0.0
The First National Bank of Deerwood	Deerwood	$239,941	$2,084	1.2	13.8	$163,198	3.8	0.2
The First National Bank of Elk River	Elk River	$248,239	$1,127	0.5	18.0	$122,949	4.6	1.3
The First National Bank of Fairfax	Fairfax	$26,889	$211	1.0	39.2	$19,487	13.2	0.0
The First National Bank of Gilbert	Gilbert	$30,387	$118	0.6	26.4	$12,834	3.8	-0.1
The First National Bank of Henning	Ottertail	$100,049	$1,186	1.6	14.5	$65,319	0.4	0.1
The First National Bank of Herman	Herman	$24,005	$163	0.9	24.7	$7,334	0.0	0.0
The First National Bank of Le Center	Le Center	$79,483	$833	1.4	18.2	$50,899	0.8	0.0
The First National Bank of McIntosh	Mcintosh	$25,927	$78	0.4	59.0	$8,734	0.0	-0.3
The First National Bank of Milaca	Milaca	$171,245	$1,561	1.2	20.3	$98,799	2.8	0.6
The First National Bank of Moose Lake	Moose Lake	$73,047	$870	1.7	15.8	$53,656	2.0	0.2
The First National Bank of Northfield	Northfield	$136,107	$748	0.8	15.1	$80,766	0.7	0.2
The First National Bank of Osakis	Osakis	$64,568	$912	1.9	19.9	$37,580	2.0	0.3
The First National Bank of Plainview	Plainview	$150,220	$1,208	1.1	11.2	$126,578	2.2	0.0
The First National Bank of Proctor	Proctor	$24,292	-$33	-0.2	19.7	$12,195	3.5	0.4
The First National Bank of Starbuck	Starbuck	$21,774	$229	1.4	27.7	$10,003	1.0	0.0
The First National Bank of Walker	Walker	$361,567	$3,689	1.5	14.2	$209,518	1.8	0.1
The First National Bank of Waseca	Waseca	$107,382	$2,076	2.5	9.6	$83,002	0.6	0.0
The First State Bank of Red Wing	Red Wing	$70,947	$274	0.5	19.5	$20,212	3.4	0.3
The First State Bank of Rosemount	Rosemount	$64,452	-$51	-0.1	17.8	$21,593	6.9	0.9
The Gary State Bank	Gary	$11,512	$271	3.1	19.3	$9,322	1.0	0.0
The Lake Bank	Two Harbors	$100,239	$248	0.3	15.1	$69,477	3.4	1.4
The Miners National Bank of Eveleth	Eveleth	$53,180	$117	0.3	22.0	$19,020	1.1	0.0
The Nicollet County Bank of Saint Peter	Saint Peter	$151,440	$948	0.8	14.8	$72,716	1.0	0.0
The Northern State Bank of Gonvick	Gonvick	$33,781	-$33	-0.1	67.7	$5,633	1.3	0.4
The Pioneer National Bank of Duluth	Duluth	$83,184	$152	0.2	13.3	$59,908	0.5	1.8
The State Bank of Faribault	Faribault	$190,258	$1,101	0.8	14.5	$86,804	3.6	1.0
The Wanda State Bank	Wanda	$122,474	$1,048	1.1	25.9	$54,963	0.7	0.0
Think Mutual Bank	Rochester	$1,471,476	$5,848	0.5	24.3	$811,426	0.5	0.3
Tradition Capital Bank	Edina	$223,819	$1,766	1.1	10.8	$195,346	1.0	0.6
Triumph State Bank	Trimont	$61,321	-$123	-0.3	11.5	$35,527	2.9	1.9
Ultima Bank Minnesota	Winger	$132,279	$2,372	2.5	11.4	$120,461	1.9	0.0
Union Bank and Trust Company	Minneapolis	$75,345	$143	0.3	29.2	$27,042	0.7	0.8
Union State Bank of Browns Valley	Browns Valley	$21,220	$239	1.5	21.4	$9,381	1.8	0.0
United Bankers' Bank	Bloomington	$603,293	$4,143	0.9	16.8	$277,961	3.9	1.4
United Community Bank	Perham	$237,896	$1,999	1.2	13.5	$135,544	2.0	0.1
United Farmers & Merchants State Bank	Morris	$38,241	$116	0.4	12.7	$14,885	0.4	0.0
United Minnesota Bank	New London	$24,916	$192	1.1	11.7	$18,079	0.7	0.2
United Prairie Bank	Mountain Lake	$566,656	$3,607	0.8	10.8	$394,441	0.6	0.0
United Southwest Bank	Cottonwood	$43,964	$106	0.3	14.5	$15,648	0.0	0.0
Unity Bank	Rush City	$181,500	$1,985	1.4	11.5	$145,135	0.2	0.2
Unity Bank North	Red Lake Falls	$77,250	$741	1.3	14.8	$51,942	0.4	0.1
University National Bank	St. Paul	$224,845	$6,680	2.3	23.3	$116,623	4.1	0.3
Vantage Bank	Kent	$8,678	-$37	-0.6	17.2	$6,160	0.0	0.0
Venture Bank	Minneapolis	$349,934	$5,495	2.2	9.9	$273,996	0.8	0.2
Vergas State Bank	Vergas	$48,121	$215	0.6	26.6	$19,140	0.5	0.1
Vermillion State Bank	Vermillion	$490,598	$8,299	2.3	19.1	$282,892	0.8	0.2
Viking Savings Bank	Alexandria	$164,181	$2,350	2.0	17.3	$108,550	2.1	0.0
Village Bank	Saint Francis	$184,250	-$1,754	-1.2	5.5	$118,556	12.8	4.0
VisionBank	Saint Louis Park	$32,205	$38	0.2	14.7	$24,939	2.6	-0.2
Voyager Bank	Eden Prairie	$357,396	$1,741	0.6	10.2	$270,093	2.4	0.2
Wadena State Bank	Wadena	$118,483	$1,523	1.7	19.6	$64,635	1.1	0.0
Welcome State Bank	Welcome	$25,145	$355	1.9	14.4	$15,150	1.8	-0.1
Wells Federal Bank	Wells	$242,593	$1,525	0.8	15.4	$162,550	2.8	1.2
Western Bank	St. Paul	$424,378	$4,880	1.6	17.4	$259,986	0.8	0.1
Western National Bank	Cass Lake	$33,170	$322	1.3	13.9	$20,744	0.7	0.1
Western National Bank	Duluth	$128,038	$1,206	1.3	11.4	$72,806	0.5	0.2
White Rock Bank	Cannon Falls	$149,354	$1,969	1.8	15.9	$89,003	1.1	0.0
Winona National Bank	Winona	$246,269	$2,294	1.2	17.5	$117,804	4.7	0.0
Winthrop State Bank	Winthrop	$21,239	$149	0.9	32.5	$4,570	0.0	0.0
Woodland Bank	Deer River	$67,585	$2,052	3.1	20.9	$50,641	5.3	0.6
Woodlands National Bank	Hinckley	$137,051	$500	0.5	18.7	$74,750	3.5	0.6
Worthington Federal Savings Bank, FSB	Worthington	$62,855	$321	0.7	35.5	$42,498	1.0	0.0

Key:

Return on assets: Profits after taxes and extraordinary items (annualized) as a percent of average total assets. 1 percent is considered good.
Net Loans and Leases: Total loans and lease financing receivables minus unearned income and loan loss allowances -- a basic measure of a bank’s level of loans.
Net Charge-Off Ratio: A bank's net charge-off ratio is the percentage of its loans that are written off as bad debts, less recoveries. A ratio of 3 percent or more is considered too high.
Noncurrent loans and leases to: A noncurrent loan is a loan in which payments have fallen behind by 90 days or more. Many of these loans are never repaid and can lead to loan losses for the bank. A bank's noncurrent loans should not exceed 10 percent of its total loans.
Tier One Risk-Based Capital Ratio: A bank's Tier One Risk-Based Capital Ratio is a bank's common stock and reserves divided by its assets. It is a key measure of a bank's ability to withstand future loan losses. A bank must maintain a ratio of 6 percent or more to be considered "well capitalized" by regulators.

Source: Federal Deposit Insurance Corp.

Notes: Data does not include Wells Fargo and U.S. Bank because the banks aren’t chartered in Minnesota.

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Minnesota Bank Performance: 3rd Quarter 2012

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