Bridge Community Bank

Bridge Community Bank is headquartered in Mount Vernon and is the 249^th largest bank in the state of Iowa. It is also the 5,837^th largest bank in the nation. It was established in 1903 and as of December of 2011, it had grown to 17 employees at 3 locations. Bridge Community Bank's savings rates are 2X the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics Bridge Community Bank FDIC Certificate # 12717 BankRate Report View Year Established 1903 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $68.25 million Loans $45.28 million Deposits $60.65 million Equity Capital $6.81 million Loan Loss Allowance $593,000 Unbacked Noncurrent Loans $415,000 Real Estate Owned $40,000 Historic Data - December 2010 Assets $60.99 million Equity Capital $5.95 million Loan Loss Allowance $462,000 Unbacked Noncurrent Loans $59,000 Real Estate Owned $40,000 Profit Margin - Quarterly Net Interest Margin 4.01% Return on Assets 1% Return on Equity 10.03% Interest Income $2.86 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 Bridge Community Bank had $455,000 in non-current loans and owned real-estate with $7.41 million in equity and loan loss allowances on hand to cover it. This gives Bridge Community Bank a Texas Ratio of 6.14% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bridge Community Bank held steady from 1.54% as of December 31, 2010 to 6.14% as of December 31, 2011, resulting in a negative change of 297.80%. This indicates that the balance sheet and financial strength for Bridge Community Bank has held steady in recent periods. Deposit Growth In the past year, Bridge Community Bank has increased its total deposits by $6.26 million, resulting in 11.5% 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 Bridge Community Bank 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. Bridge Community Bank has $68.25 million in assets with $7.41 million in equity, resulting in a capitalization level of 10.85%, which is above average.

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