Community Bank Mankato

Community Bank Mankato is headquartered in Vernon Center and is the 89^th largest bank in the state of Minnesota. It is also the 3,226^th largest bank in the nation. It was established in 1929 and as of March of 2012, it had grown to 44 employees at 4 locations. Community Bank Mankato's savings rates are 3X the national average, and it has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Community Bank Mankato FDIC Certificate # 9760 BankRate Report View Year Established 1929 Employees 44 Primary Regulator FDIC Assets and Liabilities Assets $192.26 million Loans $142.91 million Deposits $173.56 million Equity Capital $14.86 million Loan Loss Allowance $1.61 million Unbacked Noncurrent Loans $1.44 million Real Estate Owned $1.05 million Historic Data - March 2011 Assets $175.84 million Equity Capital $13.60 million Loan Loss Allowance $1.36 million Unbacked Noncurrent Loans $2.34 million Real Estate Owned $2.57 million Profit Margin - Quarterly Net Interest Margin 4.33% Return on Assets 2.05% Return on Equity 26.88% Interest Income $2.40 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 Mankato had $2.49 million in non-current loans and owned real-estate with $16.47 million in equity and loan loss allowances on hand to cover it. This gives Community Bank Mankato a Texas Ratio of 15.11% 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 Community Bank Mankato decreased significantly from 33.07% as of March 31, 2011 to 15.11% as of March 31, 2012, resulting in a positive change of 54.32%.This indicates that the balance sheet and financial strength for Community Bank Mankato has improved significantly in recent periods. Deposit Growth In the past year, Community Bank Mankato has increased its total deposits by $19.5 million, resulting in 12.66% 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 Mankato 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. Community Bank Mankato has $192.26 million in assets with $16.47 million in equity, resulting in a capitalization level of 8.57%, which is average.

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