Community Bank of Trenton

Community Bank of Trenton is headquartered in Trenton and is the 410^st largest bank in the state of Illinois. It is also the 5,654^th largest bank in the nation. It was established in 1963 and as of March of 2012, it had grown to 15 employees at 1 location. Community Bank of Trenton's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

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Community Bank of Trenton Savings Account Rates

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Data for Q1 2012

Institution Statistics Community Bank of Trenton FDIC Certificate # 18889 BankRate Report View Year Established 1963 Employees 15 Primary Regulator FDIC Assets and Liabilities Assets $74.40 million Loans $47.54 million Deposits $61.38 million Equity Capital $9.15 million Loan Loss Allowance $998,000 Unbacked Noncurrent Loans $1.02 million Real Estate Owned $383,000 Historic Data - March 2011 Assets $73.05 million Equity Capital $8.27 million Loan Loss Allowance $753,000 Unbacked Noncurrent Loans $2.03 million Profit Margin - Quarterly Net Interest Margin 3.52% Return on Assets 1.27% Return on Equity 10.37% Interest Income $824,000

Institution Health Overall Score: 5 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 of Trenton had $1.4 million in non-current loans and owned real-estate with $10.15 million in equity and loan loss allowances on hand to cover it. This gives Community Bank of Trenton a Texas Ratio of 13.84% 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 of Trenton decreased slightly from 22.46% as of March 31, 2011 to 13.84% as of March 31, 2012, resulting in a positive change of 38.38%.This indicates that the balance sheet and financial strength for Community Bank of Trenton has improved slightly in recent periods. Deposit Growth In the past year, Community Bank of Trenton has increased its total deposits by $625,000, resulting in 1.03% 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 of Trenton has shown is above 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 of Trenton has $74.4 million in assets with $10.15 million in equity, resulting in a capitalization level of 13.65%, which is excellent.

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