C US Bank

C US Bank is headquartered in Cresco and is the 40^th largest bank in the state of Iowa. It is also the 1,899^th largest bank in the nation. It was established in 1888 and as of December of 2011, it had grown to 79 employees at 5 locations. C US Bank has a 5-star health rating.

C US Bank Routing Number: 073903286

Data for Q4 2011

Institution Statistics C US Bank FDIC Certificate # 18443 BankRate Report View Year Established 1888 Employees 79 Primary Regulator FDIC Assets and Liabilities Assets $344.17 million Loans $251.72 million Deposits $281.31 million Equity Capital $43.62 million Loan Loss Allowance $4.11 million Unbacked Noncurrent Loans $718,000 Real Estate Owned $470,000 Historic Data - December 2010 Assets $335.74 million Equity Capital $38.48 million Loan Loss Allowance $3.61 million Unbacked Noncurrent Loans $802,000 Real Estate Owned $545,000 Profit Margin - Quarterly Net Interest Margin 4.08% Return on Assets 1.82% Return on Equity 15.1% Interest Income $16.61 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 C US Bank had $1.19 million in non-current loans and owned real-estate with $47.73 million in equity and loan loss allowances on hand to cover it. This gives C US Bank a Texas Ratio of 2.49% 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 C US Bank decreased slightly from 3.20% as of December 31, 2010 to 2.49% as of December 31, 2011, resulting in a positive change of 22.25%.This indicates that the balance sheet and financial strength for C US Bank has improved slightly in recent periods. Deposit Growth In the past year, C US Bank has increased its total deposits by $6.81 million, resulting in 2.48% 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 C US Bank has shown is above average. 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. C US Bank has $344.17 million in assets with $47.73 million in equity, resulting in a capitalization level of 13.87%, which is excellent.

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