Black Hills Community Bank, N.A.

Black Hills Community Bank, N.A. is headquartered in Rapid City and is the 35^th largest bank in the state of South Dakota. It is also the 4,879^th largest bank in the nation. It was established in 2007 and as of December of 2011, it had grown to 22 employees at 1 location. Black Hills Community Bank, N.A. has a 5-star health rating.

Data for Q4 2011

Institution Statistics Black Hills Community Bank, N.A. FDIC Certificate # 58723 BankRate Report View Year Established 2007 Employees 22 Primary Regulator OCC Assets and Liabilities Assets $102.55 million Loans $81.47 million Deposits $86.05 million Equity Capital $16.07 million Loan Loss Allowance $1.22 million Historic Data - December 2010 Assets $95.12 million Equity Capital $12.76 million Loan Loss Allowance $1.01 million Profit Margin - Quarterly Net Interest Margin 4.44% Return on Assets 0.86% Return on Equity 5.94% Interest Income $4.84 million

Institution Health Overall Score: 5 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 Black Hills Community Bank, N.A. had $0 in non-current loans and owned real-estate with $17.29 million in equity and loan loss allowances on hand to cover it. This gives Black Hills Community Bank, N.A. a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Black Hills Community Bank, N.A. has increased its total deposits by $10.12 million, resulting in 13.32% 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 Black Hills Community Bank, N.A. has shown is excellent. 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. Black Hills Community Bank, N.A. has $102.55 million in assets with $17.29 million in equity, resulting in a capitalization level of 16.86%, which is excellent.

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