Community Bank CBD

Community Bank CBD is headquartered in Delavan and is the 90^th largest bank in the state of Wisconsin. It is also the 2,718^st largest bank in the nation. It was established in 1996 and as of March of 2012, it had grown to 48 employees at 4 locations. Community Bank CBD has a 4-star health rating.

Community Bank CBD Routing Number: 075912848

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Data for Q1 2012

Institution Statistics Community Bank CBD FDIC Certificate # 34220 BankRate Report View Year Established 1996 Employees 48 Primary Regulator FDIC Assets and Liabilities Assets $236.04 million Loans $158.93 million Deposits $180.24 million Equity Capital $26.14 million Loan Loss Allowance $2.47 million Unbacked Noncurrent Loans $1.59 million Real Estate Owned $1.31 million Historic Data - March 2011 Assets $253.70 million Equity Capital $26.54 million Loan Loss Allowance $4.39 million Unbacked Noncurrent Loans $1.92 million Real Estate Owned $4.13 million Profit Margin - Quarterly Net Interest Margin 4% Return on Assets 0.57% Return on Equity 5.25% Interest Income $2.71 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 March 31, 2012 Community Bank CBD had $2.9 million in non-current loans and owned real-estate with $28.61 million in equity and loan loss allowances on hand to cover it. This gives Community Bank CBD a Texas Ratio of 10.13% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Community Bank CBD decreased significantly from 19.54% as of March 31, 2011 to 10.13% as of March 31, 2012, resulting in a positive change of 48.13%.This indicates that the balance sheet and financial strength for Community Bank CBD has improved significantly in recent periods. Deposit Growth In the past year, Community Bank CBD has decreased its total deposits by -$14.7 million, resulting in -7.54% 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 CBD has shown is poor. 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. Community Bank CBD has $236.04 million in assets with $28.61 million in equity, resulting in a capitalization level of 12.12%, which is excellent.

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