Community Bank and Trust

Community Bank and Trust Locations
604 North 8th Street
Sheboygan, WI 53082
1-888-582-4440
www.communitybankandtrust.com

Community Bank and Trust is headquartered in Sheboygan and is the 31st largest bank in the state of Wisconsin. It is also the 1,181st largest bank in the nation. It was established in 1989 and as of September of 2011, it had grown to 177 employees at 11 locations. Community Bank and Trust has a 3-star health rating.

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Top Wisconsin Reward Checking Account at Community Bank and Trust - 10/28/2011

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3.05% Reward Checking Account at Community Bank and Trust in Wisconsin - Local Only - 1/20/2010

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See Rates for: Checking | CD | IRA

Community Bank and Trust Checking Account Rates

ApyMinMaxProduct
3.05%-$25kPower Interest Checking

Community Bank and Trust CD Rates

ApyMinMaxProduct
1.40%$10k-5 Year Rate Riser CD
0.78%$5k-17 Month CD Special
0.58%$5k-11 Month CD Special
0.35%$5k-4 Month CD Special

Community Bank and Trust IRA Rates

ApyMinMaxProduct
1.40%$2k-5 Year Rate Riser IRA
0.78%$1k-17 Month IRA Special
0.58%$1k-11 Month IRA Special
0.35%$1k-4 Month IRA Special

Rates updated: 2/11/2012

Data for Q3 2011


Institution Statistics


Community Bank & Trust
FDIC Certificate #27507
BankRate ReportView
Year Established1989
Employees177
Primary RegulatorFDIC

Assets and Liabilities

Assets$566.72 million
Loans$417.78 million
Deposits$466.22 million
Equity Capital$59.64 million
Loan Loss Allowance$10.05 million
Unbacked Noncurrent Loans$12.02 million
Real Estate Owned$5.26 million

Historic Data - September 2010

Assets$614.89 million
Equity Capital$59.65 million
Loan Loss Allowance$9.64 million
Unbacked Noncurrent Loans$14.61 million
Real Estate Owned$4.76 million

Profit Margin - Quarterly

Net Interest Margin3.31%
Return on Assets0.15%
Return on Equity1.46%
Interest Income$19.14 million

Institution Health


Overall Score:
3 out of 5
3
Texas Ratio3
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 September 30, 2011 Community Bank and Trust had $17.28 million in non-current loans and owned real-estate with $69.69 million in equity and loan loss allowances on hand to cover it. This gives Community Bank and Trust a Texas Ratio of 24.80% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Community Bank and Trust held steady from 28.36% as of September 30, 2010 to 24.80% as of September 30, 2011, resulting in a positive change of 12.58%.This indicates that the balance sheet and financial strength for Community Bank and Trust has held steady in recent periods.
Deposit Growth1
In the past year, Community Bank and Trust has decreased its total deposits by -$37.21 million, resulting in -7.39% 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 Community Bank and Trust has shown is poor.
Capitalization5
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. Community Bank and Trust has $566.72 million in assets with $69.69 million in equity, resulting in a capitalization level of 12.30%, which is excellent.
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