Vitals
  • Total Assets
    161.6M 1.3 %
  • Total Deposits
    138.9M 7.1 %
  • Total Net Loans
    116.1M -2.6 %
  • Net Income
    1.6M -15.8 %
  • Book Value
    16.1M 3.5 %
  • Book Value x2
    32.1M 3.5 %
  • Book Value x3
    48.2M 3.5 %
ROAA

1.031

ROAE

9.97

Efficiency Ratio

63.721

Net Interest Margin

3.664

Balance Sheet Highlights
Financial Highlights Exchange State Bank All Insured Commercial Banks in Minnesota
Balance Sheet $(000)
Total Assets 161,559 147,703
Total Net Loans 116,104 97,223
Total Deposits 138,887 126,600
Total Equity 16,058 15,565
Profitability
Net Income 1,588 1,683
Return on Average Assets 1.031 1.08
Return on Average Equity 9.97 9.905
Net Interest Margin 3.664 3.845
Efficiency Ratio 63.721 68.21
Noninterest Income/Revenue 3.104 13.68
Balance Sheet Ratios
Loan-to-Deposit 83.596 75.205
Securities/Assets .148 .174
Total Equity/Total Assets .099 .105
Tangible Equity/Tangible Assets .096 .103
Capital Adequacy
Tier 1 Common Capital 15,620 15,225
Tier 1 Capital 15,620 15,232
Tier 2 Capital 1,384 1,135
Total Capital 17,004 16,386
Total Risk Weighted Assets 123,025 105,251
Leverage Ratio 9.88 10.475
Common Equity Tier 1 Capital Ratio 12.7 15.3
Tier 1 Capital Ratio 12.7 15.308
Total Capital Ratio 13.82 16.398

Timeline for Exchange State Bank

Hardwick State Bank

Acquisition: Exchange State Bank acquired a new subsidiary, Hardwick State Bank, 17 years

View Profile Oct 01 2007

Ellsworth State Bank

Acquisition: Exchange State Bank acquired a new subsidiary, Ellsworth State Bank, 20 years

View Profile May 01 2004

Larch Bancorporation, Inc.

Larch Bancorporation, Inc. became a new parent organization for Exchange State Bank.

View Profile Jul 31 1998

Exchange State Bancorporation, Inc.

Exchange State Bancorporation, Inc. became a new parent organization for Exchange State Bank.

View Profile Mar 17 1981

Exchange State Bank

Exchange State Bank was established 124 years ago and is currently headquartered in Luverne, MN.

Jan 01 1900
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Hardwick State Bank Seller 11,472 Acquisition Discontinued 10/1/2007
Ellsworth State Bank Seller 33,320 Acquisition Discontinued 5/1/2004
Relationships Role Relationship Start Relationship End
Larch Bancorporation, Inc. Parent 8/31/2005
Larch Bancorporation, Inc. Parent 7/31/1998 8/30/2005
Exchange State Bancorporation, Inc. Parent 3/17/1981 7/30/1998
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