Community Resource Bank

Community Resource Bank is headquartered in Northfield and is the 64^th largest bank in the state of Minnesota. It is also the 2,730^th largest bank in the nation. It was established in 1878 and as of March of 2012, it had grown to 62 employees at 5 locations. Community Resource Bank has a 3-star health rating.

Community Resource Bank Routing Number: 091917160

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Data for Q1 2012

Institution Statistics Community Resource Bank FDIC Certificate # 5219 BankRate Report View Year Established 1878 Employees 62 Primary Regulator FED Assets and Liabilities Assets $234.91 million Loans $140.03 million Deposits $194.97 million Equity Capital $23.10 million Loan Loss Allowance $5.42 million Unbacked Noncurrent Loans $9.04 million Real Estate Owned $3.61 million Historic Data - March 2011 Assets $242.97 million Equity Capital $22.26 million Loan Loss Allowance $6.73 million Unbacked Noncurrent Loans $13.69 million Real Estate Owned $3.38 million Profit Margin - Quarterly Net Interest Margin 3.74% Return on Assets 0.09% Return on Equity 0.87% Interest Income $2.45 million

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 Resource Bank had $12.65 million in non-current loans and owned real-estate with $28.52 million in equity and loan loss allowances on hand to cover it. This gives Community Resource Bank a Texas Ratio of 44.34% 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 Resource Bank decreased slightly from 60.76% as of March 31, 2011 to 44.34% as of March 31, 2012, resulting in a positive change of 27.02%.This indicates that the balance sheet and financial strength for Community Resource Bank has improved slightly in recent periods. Deposit Growth In the past year, Community Resource Bank has decreased its total deposits by -$6.88 million, resulting in -3.41% 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 Resource Bank has shown is below 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 Resource Bank has $234.91 million in assets with $28.52 million in equity, resulting in a capitalization level of 12.14%, which is excellent.

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