Community National Bank (IA)

Community National Bank (IA) is headquartered in Waterloo and is the 77^th largest bank in the state of Iowa. It is also the 2,797^th largest bank in the nation. It was established in 1997 and as of March of 2012, it had grown to 79 employees at 6 locations. Community National Bank (IA) has a 4-star health rating.

Data for Q1 2012

Community National Bank (IA) consists of multiple companies with separate FDIC numbers. Click on an FDIC number to view the health for that company:

34503 - Community National Bank
57801 - Community Bank, Austin

Institution Statistics Community National Bank FDIC Certificate # 34503 BankRate Report View Year Established 1997 Employees 79 Primary Regulator OCC Assets and Liabilities Assets $227.85 million Loans $153.11 million Deposits $202.28 million Equity Capital $24.39 million Loan Loss Allowance $3.31 million Unbacked Noncurrent Loans $4.56 million Real Estate Owned $542,000 Historic Data - March 2011 Assets $216.28 million Equity Capital $23.22 million Loan Loss Allowance $3.88 million Unbacked Noncurrent Loans $6.73 million Real Estate Owned $763,000 Profit Margin - Quarterly Net Interest Margin 3.71% Return on Assets 0.41% Return on Equity 3.79% Interest Income $2.12 million

Institution Health Overall Score: 4 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 National Bank (IA) had $5.1 million in non-current loans and owned real-estate with $27.7 million in equity and loan loss allowances on hand to cover it. This gives Community National Bank (IA) a Texas Ratio of 18.41% 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 National Bank (IA) decreased slightly from 27.63% as of March 31, 2011 to 18.41% as of March 31, 2012, resulting in a positive change of 33.35%.This indicates that the balance sheet and financial strength for Community National Bank (IA) has improved slightly in recent periods. Deposit Growth In the past year, Community National Bank (IA) has increased its total deposits by $13.3 million, resulting in 7.04% 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 National Bank (IA) 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 National Bank (IA) has $227.85 million in assets with $27.7 million in equity, resulting in a capitalization level of 12.16%, which is excellent.

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