Community Bank - Missoula

Community Bank - Missoula is headquartered in Missoula and is the 38^th largest bank in the state of Montana. It is also the 5,415^st largest bank in the nation. It was established in 1995 and as of March of 2012, it had grown to 20 employees at 3 locations. Community Bank - Missoula's savings rates are 44% higher than the national average, and it has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Community Bank - Missoula FDIC Certificate # 33967 BankRate Report View Year Established 1995 Employees 20 Primary Regulator FED Assets and Liabilities Assets $82.36 million Loans $35.76 million Deposits $68.76 million Equity Capital $9.22 million Loan Loss Allowance $1.27 million Unbacked Noncurrent Loans $1.11 million Real Estate Owned $1.11 million Historic Data - March 2011 Assets $84.86 million Equity Capital $8.64 million Loan Loss Allowance $1.30 million Unbacked Noncurrent Loans $1.58 million Real Estate Owned $455,000 Profit Margin - Quarterly Net Interest Margin 3.11% Return on Assets 0.97% Return on Equity 8.59% Interest Income $749,000

Institution Health Overall Score: 3 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 - Missoula had $2.22 million in non-current loans and owned real-estate with $10.49 million in equity and loan loss allowances on hand to cover it. This gives Community Bank - Missoula a Texas Ratio of 21.17% 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 - Missoula held steady from 20.50% as of March 31, 2011 to 21.17% as of March 31, 2012, resulting in a negative change of 3.30%. This indicates that the balance sheet and financial strength for Community Bank - Missoula has held steady in recent periods. Deposit Growth In the past year, Community Bank - Missoula has decreased its total deposits by -$1.47 million, resulting in -2.09% 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 - Missoula has shown is below average. 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 - Missoula has $82.36 million in assets with $10.49 million in equity, resulting in a capitalization level of 12.74%, which is excellent.

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