Dakota Community Bank, National Association

Dakota Community Bank, National Association is headquartered in Hebron and is the 12^st largest bank in the state of North Dakota. It is also the 1,135^th largest bank in the nation. It was established in 1940 and as of March of 2012, it had grown to 172 employees at 12 locations. Dakota Community Bank, National Association has a 4-star health rating.

Data for Q1 2012

Institution Statistics Dakota Community Bank & Trust, National Association FDIC Certificate # 15728 BankRate Report View Year Established 1940 Employees 172 Primary Regulator OCC Assets and Liabilities Assets $592.52 million Loans $380.45 million Deposits $523.22 million Equity Capital $41.70 million Loan Loss Allowance $5.79 million Unbacked Noncurrent Loans $3.94 million Real Estate Owned $424,000 Historic Data - March 2011 Assets $485.87 million Equity Capital $34.08 million Loan Loss Allowance $5.06 million Unbacked Noncurrent Loans $2.58 million Profit Margin - Quarterly Net Interest Margin 3.95% Return on Assets 2.17% Return on Equity 30.3% Interest Income $6.26 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 Dakota Community Bank, National Association had $4.36 million in non-current loans and owned real-estate with $47.5 million in equity and loan loss allowances on hand to cover it. This gives Dakota Community Bank, National Association a Texas Ratio of 9.18% 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 Dakota Community Bank, National Association held steady from 6.18% as of March 31, 2011 to 9.18% as of March 31, 2012, resulting in a negative change of 48.59%. This indicates that the balance sheet and financial strength for Dakota Community Bank, National Association has held steady in recent periods. Deposit Growth In the past year, Dakota Community Bank, National Association has increased its total deposits by $94.86 million, resulting in 22.14% 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 Dakota Community Bank, National Association 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. Dakota Community Bank, National Association has $592.52 million in assets with $47.5 million in equity, resulting in a capitalization level of 8.02%, which is average.

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