First National Bank
Thief River Falls, MN — Domestic Branch of a Domestic Bank
Acquired May 2003
Leverage Ratio Over Time
| Leverage Ratio | First National Bank | All Insured Commercial Banks in Minnesota |
| 03-31-2003 | 8.59 | 9.426 |
| 12-31-2002 | 9.32 | 9.446 |