Americana Community Bank

Americana Community Bank is headquartered in Sleepy Eye and is the 140^th largest bank in the state of Minnesota. It is also the 4,352^nd largest bank in the nation. It was established in 1881 and as of December of 2011, it had grown to 45 employees at 5 locations. Americana Community Bank has a 1-star health rating.

Americana Community Bank Routing Number: 091901969

Data for Q4 2011

Institution Statistics Americana Community Bank FDIC Certificate # 8205 BankRate Report View Year Established 1881 Employees 45 Primary Regulator FDIC Assets and Liabilities Assets $123.96 million Loans $73.93 million Deposits $117.33 million Equity Capital $4.55 million Loan Loss Allowance $3.28 million Unbacked Noncurrent Loans $1.25 million Real Estate Owned $7.42 million Historic Data - December 2010 Assets $159.64 million Equity Capital $2.94 million Loan Loss Allowance $4.18 million Unbacked Noncurrent Loans $3.37 million Real Estate Owned $9.19 million Profit Margin - Quarterly Net Interest Margin 4.29% Return on Assets 0.48% Return on Equity 15.82% Interest Income $6.17 million

Institution Health Overall Score: 1 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 December 31, 2011 Americana Community Bank had $8.67 million in non-current loans and owned real-estate with $7.83 million in equity and loan loss allowances on hand to cover it. This gives Americana Community Bank a Texas Ratio of 110.74% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Americana Community Bank decreased slightly from 176.38% as of December 31, 2010 to 110.74% as of December 31, 2011, resulting in a positive change of 37.21%.This indicates that the balance sheet and financial strength for Americana Community Bank has improved slightly in recent periods. Deposit Growth In the past year, Americana Community Bank has decreased its total deposits by -$36.35 million, resulting in -23.66% 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 Americana Community Bank has shown is poor. 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. Americana Community Bank has $123.96 million in assets with $7.83 million in equity, resulting in a capitalization level of 6.32%, which is below average.

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