Dubuque Bank & Trust

Dubuque Bank & Trust is headquartered in Dubuque and is the 6^th largest bank in the state of Iowa. It is also the 472^nd largest bank in the nation. It was established in 1935 and as of March of 2012, it had grown to 301 employees at 13 locations. Dubuque Bank & Trust has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Dubuque Bank and Trust Company FDIC Certificate # 15219 BankRate Report View Year Established 1935 Employees 301 Primary Regulator FDIC Assets and Liabilities Assets $1.41 billion Loans $852.65 million Deposits $978.88 million Equity Capital $129.17 million Loan Loss Allowance $9.58 million Unbacked Noncurrent Loans $3.10 million Real Estate Owned $2.33 million Historic Data - March 2011 Assets $1.15 billion Equity Capital $105.48 million Loan Loss Allowance $10.41 million Unbacked Noncurrent Loans $9.69 million Real Estate Owned $1.83 million Profit Margin - Quarterly Net Interest Margin 3.5% Return on Assets 2.75% Return on Equity 30.42% Interest Income $14.04 million

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 Dubuque Bank & Trust had $5.42 million in non-current loans and owned real-estate with $138.76 million in equity and loan loss allowances on hand to cover it. This gives Dubuque Bank & Trust a Texas Ratio of 3.91% 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 Dubuque Bank & Trust decreased significantly from 9.98% as of March 31, 2011 to 3.91% as of March 31, 2012, resulting in a positive change of 60.81%.This indicates that the balance sheet and financial strength for Dubuque Bank & Trust has improved significantly in recent periods. Deposit Growth In the past year, Dubuque Bank & Trust has increased its total deposits by $139.33 million, resulting in 16.6% 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 Dubuque Bank & Trust 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. Dubuque Bank & Trust has $1.41 billion in assets with $138.76 million in equity, resulting in a capitalization level of 9.86%, which is average.

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