Community Bank Owatonna

Community Bank Owatonna is headquartered in Owatonna and is the 268^th largest bank in the state of Minnesota. It is also the 6,288^th largest bank in the nation. It was established in 2003 and as of March of 2012, it had grown to 9 employees at 1 location. Community Bank Owatonna has a 3-star health rating.

Community Bank Owatonna Routing Number: 091917254

Data for Q1 2012

Institution Statistics Community Bank Owatonna FDIC Certificate # 57468 BankRate Report View Year Established 2003 Employees 9 Primary Regulator FDIC Assets and Liabilities Assets $52.68 million Loans $30.54 million Deposits $46.54 million Equity Capital $5.03 million Loan Loss Allowance $405,000 Unbacked Noncurrent Loans $802,000 Real Estate Owned $273,000 Historic Data - March 2011 Assets $53.56 million Equity Capital $4.73 million Loan Loss Allowance $454,000 Unbacked Noncurrent Loans $473,000 Real Estate Owned $538,000 Profit Margin - Quarterly Net Interest Margin 3.79% Return on Assets 0.71% Return on Equity 7.5% Interest Income $612,000

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 Owatonna had $1.08 million in non-current loans and owned real-estate with $5.43 million in equity and loan loss allowances on hand to cover it. This gives Community Bank Owatonna a Texas Ratio of 19.80% 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 Owatonna held steady from 19.50% as of March 31, 2011 to 19.80% as of March 31, 2012, resulting in a negative change of 1.51%. This indicates that the balance sheet and financial strength for Community Bank Owatonna has held steady in recent periods. Deposit Growth In the past year, Community Bank Owatonna has decreased its total deposits by -$1.47 million, resulting in -3.07% 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 Owatonna 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 Owatonna has $52.68 million in assets with $5.43 million in equity, resulting in a capitalization level of 10.31%, which is above average.

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