Community Financial Bank

Community Financial Bank is headquartered in Prentice and is the 263^rd largest bank in the state of Wisconsin. It is also the 6,922^nd largest bank in the nation. It was established in 1987 and as of March of 2012, it had grown to 11 employees at 2 locations. Community Financial Bank has a 5-star health rating.

Community Financial Bank Routing Number: 091512594

Data for Q1 2012

Institution Statistics Community Financial Bank FDIC Certificate # 27053 BankRate Report View Year Established 1987 Employees 11 Primary Regulator FDIC Assets and Liabilities Assets $31.00 million Loans $19.11 million Deposits $25.38 million Equity Capital $4.52 million Loan Loss Allowance $334,000 Unbacked Noncurrent Loans $316,000 Historic Data - March 2011 Assets $33.09 million Equity Capital $4.46 million Loan Loss Allowance $576,000 Unbacked Noncurrent Loans $850,000 Real Estate Owned $370,000 Profit Margin - Quarterly Net Interest Margin 5.27% Return on Assets 0.49% Return on Equity 3.37% Interest Income $365,000

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 Financial Bank had $316,000 in non-current loans and owned real-estate with $4.86 million in equity and loan loss allowances on hand to cover it. This gives Community Financial Bank a Texas Ratio of 6.51% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Community Financial Bank decreased significantly from 24.24% as of March 31, 2011 to 6.51% as of March 31, 2012, resulting in a positive change of 73.15%.This indicates that the balance sheet and financial strength for Community Financial Bank has improved significantly in recent periods. Deposit Growth In the past year, Community Financial Bank has decreased its total deposits by -$3.13 million, resulting in -10.99% 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 Financial Bank has shown is poor. 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 Financial Bank has $31 million in assets with $4.86 million in equity, resulting in a capitalization level of 15.66%, which is excellent.

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