Cedar Valley Bank & Trust

Cedar Valley Bank & Trust is headquartered in La Porte City and is the 285^th largest bank in the state of Iowa. It is also the 6,516^st largest bank in the nation. It was established in 1906 and as of December of 2011, it had grown to 15 employees at 2 locations. Cedar Valley Bank & Trust has a 4-star health rating.

Data for Q4 2011

Institution Statistics Cedar Valley Bank & Trust FDIC Certificate # 14694 BankRate Report View Year Established 1906 Employees 15 Primary Regulator FDIC Assets and Liabilities Assets $45.40 million Loans $25.16 million Deposits $41.40 million Equity Capital $3.89 million Loan Loss Allowance $229,000 Unbacked Noncurrent Loans $65,000 Real Estate Owned $592,000 Historic Data - December 2010 Assets $43.76 million Equity Capital $3.39 million Loan Loss Allowance $377,000 Unbacked Noncurrent Loans $185,000 Real Estate Owned $844,000 Profit Margin - Quarterly Net Interest Margin 4.66% Return on Assets 1.06% Return on Equity 12.71% Interest Income $2.08 million

Institution Health Overall Score: 4 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 Cedar Valley Bank & Trust had $657,000 in non-current loans and owned real-estate with $4.12 million in equity and loan loss allowances on hand to cover it. This gives Cedar Valley Bank & Trust a Texas Ratio of 15.96% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Cedar Valley Bank & Trust decreased significantly from 27.34% as of December 31, 2010 to 15.96% as of December 31, 2011, resulting in a positive change of 41.63%.This indicates that the balance sheet and financial strength for Cedar Valley Bank & Trust has improved significantly in recent periods. Deposit Growth In the past year, Cedar Valley Bank & Trust has increased its total deposits by $2.12 million, resulting in 5.39% 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 Cedar Valley Bank & Trust 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. Cedar Valley Bank & Trust has $45.4 million in assets with $4.12 million in equity, resulting in a capitalization level of 9.07%, which is average.

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