Community Development Bank, FSB

Community Development Bank, FSB is headquartered in Ogema and is the 226^th largest bank in the state of Minnesota. It is also the 5,758^th largest bank in the nation. It was established in 1906 and as of March of 2012, it had grown to 15 employees at 2 locations. Community Development Bank, FSB's savings rates are 3X the national average, and it boasts a 5-star health rating.

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Data for Q1 2012

Institution Statistics Community Development Bank, FSB OTS # 17428 FDIC Certificate # 10568 BankRate Report View Year Established 1906 Employees 15 Primary Regulator OCC Assets and Liabilities Assets $70.62 million Loans $40.05 million Deposits $59.18 million Equity Capital $7.05 million Loan Loss Allowance $363,000 Unbacked Noncurrent Loans $638,000 Real Estate Owned $34,000 Historic Data - March 2011 Assets $61.20 million Equity Capital $5.65 million Loan Loss Allowance $357,000 Unbacked Noncurrent Loans $255,000 Real Estate Owned $766,000 Profit Margin - Quarterly Net Interest Margin 4.71% Return on Assets 0.57% Return on Equity 5.72% Interest Income $959,000

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 Development Bank, FSB had $672,000 in non-current loans and owned real-estate with $7.41 million in equity and loan loss allowances on hand to cover it. This gives Community Development Bank, FSB a Texas Ratio of 9.07% 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 Development Bank, FSB decreased significantly from 16.99% as of March 31, 2011 to 9.07% as of March 31, 2012, resulting in a positive change of 46.60%.This indicates that the balance sheet and financial strength for Community Development Bank, FSB has improved significantly in recent periods. Deposit Growth In the past year, Community Development Bank, FSB has increased its total deposits by $7 million, resulting in 13.42% 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 Development Bank, FSB 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 Development Bank, FSB has $70.62 million in assets with $7.41 million in equity, resulting in a capitalization level of 10.49%, which is above average.

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