Campbell County Bank, Inc.

Campbell County Bank, Inc. is headquartered in Herreid and is the 36^th largest bank in the state of South Dakota. It is also the 4,885^th largest bank in the nation. It was established in 1944 and as of December of 2011, it had grown to 15 employees at 2 locations. Campbell County Bank, Inc. has a 5-star health rating.

Campbell County Bank, Inc. Routing Number: 091409018

Data for Q4 2011

Institution Statistics Campbell County Bank, Inc. FDIC Certificate # 16161 BankRate Report View Year Established 1944 Employees 15 Primary Regulator FDIC Assets and Liabilities Assets $102.15 million Loans $52.40 million Deposits $80.27 million Equity Capital $12.92 million Loan Loss Allowance $820,000 Unbacked Noncurrent Loans $306,000 Real Estate Owned $196,000 Historic Data - December 2010 Assets $90.49 million Equity Capital $11.15 million Loan Loss Allowance $804,000 Unbacked Noncurrent Loans $1.03 million Real Estate Owned $355,000 Profit Margin - Quarterly Net Interest Margin 4% Return on Assets 1.69% Return on Equity 13.59% Interest Income $4.33 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 Campbell County Bank, Inc. had $502,000 in non-current loans and owned real-estate with $13.74 million in equity and loan loss allowances on hand to cover it. This gives Campbell County Bank, Inc. a Texas Ratio of 3.65% 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 Campbell County Bank, Inc. decreased significantly from 11.59% as of December 31, 2010 to 3.65% as of December 31, 2011, resulting in a positive change of 68.48%.This indicates that the balance sheet and financial strength for Campbell County Bank, Inc. has improved significantly in recent periods. Deposit Growth In the past year, Campbell County Bank, Inc. has increased its total deposits by $10.39 million, resulting in 14.87% 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 Campbell County Bank, Inc. 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. Campbell County Bank, Inc. has $102.15 million in assets with $13.74 million in equity, resulting in a capitalization level of 13.45%, which is excellent.

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