Community Business Bank

Community Business Bank is headquartered in Sauk City and is the 223^rd largest bank in the state of Wisconsin. It is also the 5,876^th largest bank in the nation. It was established in 1994 and as of March of 2012, it had grown to 18 employees at 2 locations. Community Business Bank has a 3-star health rating.

Community Business Bank Routing Number: 075912741

Community Business Bank Checking Account Rates

Community Business Bank Savings Account Rates

Community Business Bank CD Rates

Community Business Bank IRA Rates

Data for Q1 2012

Institution Statistics Community Business Bank FDIC Certificate # 33880 BankRate Report View Year Established 1994 Employees 18 Primary Regulator FDIC Assets and Liabilities Assets $66.32 million Loans $44.29 million Deposits $54.60 million Equity Capital $9.15 million Loan Loss Allowance $1.51 million Unbacked Noncurrent Loans $2.61 million Real Estate Owned $1.14 million Historic Data - March 2011 Assets $62.62 million Equity Capital $8.61 million Loan Loss Allowance $1.68 million Unbacked Noncurrent Loans $1.32 million Real Estate Owned $1.14 million Profit Margin - Quarterly Net Interest Margin 4% Return on Assets 0.44% Return on Equity 3.16% Interest Income $715,000

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 Business Bank had $3.74 million in non-current loans and owned real-estate with $10.66 million in equity and loan loss allowances on hand to cover it. This gives Community Business Bank a Texas Ratio of 35.14% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Community Business Bank increased slightly from 23.95% as of March 31, 2011 to 35.14% as of March 31, 2012, resulting in a negative change of 46.75%. This indicates that the balance sheet and financial strength for Community Business Bank has declined slightly in recent periods. Deposit Growth In the past year, Community Business Bank has increased its total deposits by $3.14 million, resulting in 6.11% 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 Business Bank 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 Business Bank has $66.32 million in assets with $10.66 million in equity, resulting in a capitalization level of 16.07%, which is excellent.

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