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Failed Bank History Report
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This institution did not file a CALL/TFR in the most recent FFIEC reporting cycle.
The most recent data available in our database is shown.

Inter Savings Bank, fsb D/B/A Interbank, fsb as of March-2012
13601 80TH CIRCLE NORTH, # 1 MAPLE GROVE, MN, 55369
Data Source: IRA Bank Monitor.  Data in thousands unless otherwise noted.  Copyright 2014 Lord, Whalen LLC All Rights Reserved
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TBS Bank Monitor

Counterparty Quality Score (CQS) Report



IRA Counterparty Quality Analysis
Historial CQS Scores
  - IRA Bank Stress Index (BSI) Factor
  - Asset Quality Trouble Factor
  - FDIC Moral Hazard Factor
March
2012


4
22.7
10.9
0.0

December
2011


4
22.4
13.2
0.0

September
2011


4
21.9
12.9
0.0

June
2011


4
21.8
11.4
0.0

March
2011


4
21.8
10.2
0.0

December
2010


4
22.3
11.9
5.0

September
2010


4
21.9
10.2
7.9

June
2010


4
21.8
10.6
12.1

March
2010


4
22.0
9.7
14.2

December
2009


4
21.7
11.2
14.0

September
2009


4
21.8
10.9
15.6

June
2009


4
21.3
10.3
15.2

IRA Counterparty Quality Scores range from 8 (best) to 1 (worst).
Historical Performance Table



IRA Bank Stress Benchmarks
Grade
Stress Index Number
ROA, %
ROE, %
Efficiency Ratio
Goodwill Writedowns

Capital Adequacy Position
IRA Capital Test
T1/RWA
RBC/RWA
T1/ASSET
Risk Based Capital, Total
Tier 1 RBC
Risk Weighted Assets, Total

Basel II Benchmarks
Bond Equivalent Defaults, Method 1
B.E.D., Method 2
Default Rate, bp
LGD: Loss Given Default, %
M: Wt. Avg. Maturity, yr
EAD: Exposure At Default, %

Economic Capital Analysis
EC
RAROC, %
Tier 1 RBC
T1RBC to EC Leverage
Bank Tangible Common Equity
Percent of Tangible Assets (TCE Ratio)
TCE to EC Leverage

Regulatory Watch Points
Net Income, Period
Total Assets
Lending Assets
Trading Assets
Other Assets (incl. Prepaid Assessments)

Securities Assets

Net Interest Income, YTD
Earning Assets, Total
Net Interest Margin, Current Qtr - Annualized
NIMY, from FDIC 5YR METHOD

Total Deposits
Brokered Deposits
Reciprocal Brokered Deposits
Volatile Liabilities, per FDIC
FHLB Advances

FHLB Advances-to-Assets, percent
Brokered to Total Deposits, percent
FHLB+BRO+VOLIAB to Assets, percent

Gross Defaults, Actual
Provision for Loan Losses, Income Statement
Actual-to-Provision Ratio
Balance Sheet Allowances for Loan Losses

Gross Defaults, Total
30-89 Day Assets, Total
  Guaranteed Portion of 30-89
Over 90 Assets, Total
  Guaranteed Portion of Over 90
Non-Accrual Assets, Total
  Guaranteed Portion of NA
Real Estate Owned (REO)
Total Troubled Assets
Troubled Assets % of Total Assets
   % factored for less 80% GTY Offsets
Non-Conforming Assets, Reported

Texas Ratio

Off Balance Sheet Derivatives, Notional
Loss Realization Margin to RBC, bp

March
2012


F
22.7
-2.4948
-257.44
74.7%
0

Under Cap
Fail
1.3%
2.6%
1.0%
$8,792
$4,505
$335,520


BB
B
246.7
81.97
4.60
4.2


$50,179
-1.75%
$4,505
0.2:1
$-4,001
-0.87%
-0.08:1


$-2,893
$463,840
$395,765
$0
$3,470

$35,149

$3,848
$449,398
3.43%
3.38%

$458,053
$0
$0
$12,895
-

-
0.00%
2.78%

$2,441
$3,886
0.63:1
$14,443

$2,441
$9,255
$0
$5,923
$0
$24,262
$0
$8,496
$50,377
10.86%
10.86%
$30,185

2.04

-
-

December
2011


F
22.4
-1.2386
-81.32
78.2%
0

Under Cap
Fail
2.0%
3.3%
1.5%
$11,974
$7,398
$361,776


B
B
327.9
90.56
-
3.7


$59,897
-10.45%
$7,398
0.3:1
$-4,097
-0.85%
-0.07:1


$-5,965
$481,589
$402,647
$0
$4,763

$36,048

$16,069
$460,678
3.49%
3.19%

$472,952
$0
$0
$16,713
-

-
0.00%
3.47%

$13,202
$9,982
1.32:1
$8,884

$13,202
$10,604
$0
$9,158
$0
$19,197
$0
$11,432
$63,593
13.20%
13.20%
$28,355

2.45

-
-

September
2011


F
21.9
-0.5120
-22.98
77.7%
0

Under Cap
Fail
3.0%
4.3%
2.3%
$16,239
$11,434
$380,329


BB
B
261.3
86.34
-
3.8


$62,432
-4.25%
$11,434
0.4:1
$-1,373
-0.27%
-0.02:1


$-1,929
$502,342
$419,964
$0
$4,798

$36,714

$12,074
$480,156
3.35%
3.13%

$489,668
$0
$0
$17,842
-

-
0.00%
3.55%

$8,229
$5,152
1.60:1
$8,906

$8,229
$15,514
$0
$5,116
$0
$23,573
$0
$12,563
$64,995
12.94%
12.94%
$28,689

2.05

-
-

June
2011


F
21.8
-0.5448
-23.49
83.5%
0

Under Cap
Fail
3.0%
4.3%
2.3%
$16,908
$11,949
$392,551


BB
B
235.5
89.78
-
3.7


$64,720
-3.23%
$11,949
0.4:1
$335
0.06%
0.01:1


$-1,414
$519,081
$433,966
$0
$6,224

$37,365

$7,932
$495,885
3.20%
3.01%

$505,525
$0
$0
$17,715
-

-
0.00%
3.41%

$5,109
$2,893
1.77:1
$9,164

$5,109
$16,045
$0
$2,486
$0
$23,747
$0
$11,702
$59,089
11.38%
11.38%
$26,233

1.79

-
-

March
2011


F
21.8
-0.4252
-17.66
101.7%
0

Under Cap
Fail
3.0%
4.3%
2.4%
$18,154
$12,794
$425,026


BB
B
218.2
94.18
-
3.6


$63,303
-2.48%
$12,794
0.3:1
$-540
-0.10%
-0.01:1


$-569
$535,273
$447,134
$0
$6,248

$33,979

$3,777
$509,983
2.96%
2.79%

$520,721
$0
$0
$17,528
-

-
0.00%
3.27%

$2,439
$609
4.00:1
$9,170

$2,439
$14,376
$0
$2,486
$0
$22,094
$0
$13,427
$54,822
10.24%
10.24%
$24,580

1.72

-
-

December
2010


F
22.3
-0.0022
-0.10
99.1%
0

Under Cap
Fail
3.0%
4.3%
2.2%
$18,977
$13,363
$443,856


B
B
383.5
95.83
-
3.5


$106,393
-13.43%
$13,363
0.3:1
$10,293
1.71%
0.10:1


$-13
$603,208
$458,666
$0
$6,926

$80,421

$14,067
$574,193
2.45%
2.29%

$508,226
$0
$0
$238,116
$30,000

4.97%
0.00%
44.45%

$17,588
$14,363
1.22:1
$10,858

$17,588
$12,900
$0
$2,486
$0
$23,734
$0
$15,250
$71,958
11.93%
11.93%
$26,220

1.14

-
-

September
2010


F
21.9
-0.0015
-0.05
102.8%
0

Under Cap
Fail
4.2%
5.4%
3.0%
$24,842
$19,045
$457,845


BB
B
287.7
96.09
-
3.4


$102,947
-8.06%
$19,045
0.5:1
$10,880
1.72%
0.11:1


$-7
$633,900
$475,183
$0
$16,586

$74,797

$10,539
$595,568
2.36%
2.25%

$512,244
$0
$0
$261,347
$50,000

7.89%
0.00%
49.12%

$10,253
$8,236
1.24:1
$11,735

$10,253
$16,700
$0
$0
$0
$23,269
$0
$14,670
$64,892
10.24%
10.24%
$23,269

1.02

-
-

June
2010


F
21.8
-0.0015
-0.05
101.3%
0

Under Cap
Fail
4.7%
5.9%
3.4%
$27,600
$21,701
$465,621


BB
B
287.3
97.93
-
3.5


$106,598
-5.37%
$21,701
0.4:1
$9,260
1.44%
0.09:1


$-5
$645,733
$490,596
$0
$17,918

$77,191

$7,119
$604,594
2.35%
2.25%

$493,932
$0
$0
$277,171
$78,000

12.08%
0.00%
55.00%

$7,048
$5,773
1.22:1
$12,222

$7,048
$16,556
$0
$0
$0
$28,674
$0
$16,292
$68,570
10.62%
10.62%
$28,674

1.19

-
-

March
2010


F
22.0
-0.0012
-0.03
95.4%
0

Under Cap
Fail
5.0%
6.3%
3.5%
$30,137
$24,077
$478,776


B
B
347.1
99.05
-
3.6


$109,413
-3.57%
$24,077
0.7:1
$6,091
0.89%
0.06:1


$-2
$688,403
$509,475
$0
$19,031

$78,428

$3,758
$641,870
2.34%
2.32%

$514,157
$0
$0
$282,865
$98,000

14.24%
0.00%
55.33%

$4,421
$3,117
1.42:1
$12,089

$4,421
$14,497
$0
$0
$0
$28,096
$0
$19,463
$66,477
9.66%
9.66%
$28,096

1.26

-
-

December
2009


F
21.7
-0.0023
-0.06
102.8%
0

Under Cap
Fail
5.4%
6.6%
3.9%
$33,401
$27,007
$504,533


BB
B
283.3
96.96
-
3.4


$106,471
-23.81%
$27,007
0.8:1
$8,764
1.25%
0.08:1


$-16
$701,182
$550,791
$0
$20,029

$71,445

$11,028
$652,681
1.69%
1.51%

$523,824
$0
$0
$299,339
$98,000

13.98%
0.00%
56.67%

$15,604
$17,905
0.87:1
$13,350

$15,604
$14,554
$0
$0
$0
$30,146
$0
$18,356
$78,660
11.22%
11.22%
$30,146

1.20

-
-

September
2009


F
21.8
-0.0023
-0.06
102.2%
0

Under Cap
Fail
5.7%
6.9%
3.9%
$36,043
$29,450
$519,819


BB
B
292.5
97.53
-
14.5


$95,895
-21.62%
$29,450
0.9:1
$9,684
1.29%
0.10:1


$-13
$754,422
$570,100
$0
$21,779

$57,896

$7,837
$705,103
1.48%
1.40%

$554,015
$0
$0
$323,386
$118,000

15.64%
0.00%
58.51%

$12,505
$15,811
0.79:1
$14,188

$12,505
$18,548
$0
$0
$0
$31,206
$0
$19,879
$82,138
10.89%
10.89%
$31,206

1.17

-
-

June
2009


F
21.3
-0.0005
-0.01
94.2%
0

Adequate
Warn
7.4%
8.7%
5.3%
$48,185
$41,207
$554,263


BB
BB
175.8
99.59
-
12.3


$96,726
-11.81%
$41,207
1.6:1
$17,768
2.30%
0.18:1


$-2
$775,015
$606,620
$0
$25,051

$55,590

$5,104
$718,236
1.42%
1.34%

$558,761
$0
$0
$314,034
$118,000

15.23%
0.00%
55.75%

$5,333
$5,799
0.92:1
$11,061

$5,333
$16,444
$0
$0
$0
$34,372
$0
$23,293
$79,442
10.25%
10.25%
$34,372

1.11

-
-

All CALL/TFR's file to identical calendars ending Dec-31. Quarterly values reported are cumulative thru the reporting year. Dollar data in thousands unless otherwise noted. Selected rates pre-computed by FDIC are factored according to criteria from the regulatory agency to derive annualized rates. Peering groups are dynamically generated each quarter based the bank unit being examined. See the quarterly for peer listings.
Total Bank Solutions - Bank Monitor Division 371 Van Ness Way Suite 110 Torrance, California 90501 310.676.3300

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