Community Pride Bank

Community Pride Bank is headquartered in Isanti and is the 195^th largest bank in the state of Minnesota. It is also the 5,317^st largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 19 employees at 2 locations. Community Pride Bank has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Community Pride Bank FDIC Certificate # 35524 BankRate Report View Year Established 2000 Employees 19 Primary Regulator FDIC Assets and Liabilities Assets $86.24 million Loans $58.86 million Deposits $75.18 million Equity Capital $8.65 million Loan Loss Allowance $2.14 million Unbacked Noncurrent Loans $1.33 million Real Estate Owned $2.67 million Historic Data - March 2011 Assets $86.51 million Equity Capital $8.27 million Loan Loss Allowance $2.96 million Unbacked Noncurrent Loans $1.32 million Real Estate Owned $2.51 million Profit Margin - Quarterly Net Interest Margin 4.14% Return on Assets 0.5% Return on Equity 5.12% Interest Income $965,000

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 Pride Bank had $4 million in non-current loans and owned real-estate with $10.79 million in equity and loan loss allowances on hand to cover it. This gives Community Pride Bank a Texas Ratio of 37.05% 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 Pride Bank held steady from 34.07% as of March 31, 2011 to 37.05% as of March 31, 2012, resulting in a negative change of 8.75%. This indicates that the balance sheet and financial strength for Community Pride Bank has held steady in recent periods. Deposit Growth In the past year, Community Pride Bank has decreased its total deposits by $-388,000, resulting in -0.51% 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 Pride Bank has shown is 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 Pride Bank has $86.24 million in assets with $10.79 million in equity, resulting in a capitalization level of 12.51%, which is excellent.

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