Investors Community Bank

860 North Rapids Road
Manitowoc, WI 54220
(920) 686-9998
www.investorscommunitybank.com

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Investors Community Bank is headquartered in Manitowoc and is the 23^rd largest bank in the state of Wisconsin. It is also the 961^st largest bank in the nation. It was established in 1997 and as of September of 2011, it had grown to 79 employees at 1 location. Investors Community Bank's savings rates are 3X the national average, and it has a 3-star health rating.

Investors Community Bank Routing Number: 075912864

Competitive 18-Month Special CD at Investors Community Bank in WI - Local Only - 6/2/2010

Investors Community Bank is offering a special 18-month CD with a 2.00% APY. Minimum deposit is $10,000, and the maximum is $100,000. This rate is listed in the bank's promotions page as of 6/02/2010 ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Investors Community Bank Checking Account Rates

Apy	Min	Max	Product
0.80%	$25k	-	Investors Choice Checking
0.10%	-	-	Interesting Checking

Investors Community Bank Savings Account Rates

Apy	Min	Max	Product
1.50%	-	-	Investors IRA
0.25%	$5k	-	Investors Savings

Investors Community Bank Money Market Rates

	Apy	Min	Max	Product
	0.80%	$25k	-	Investors Choice Money Market

Investors Community Bank CD Rates

Apy	Min	Max	Product
1.65%	$10k	-	48 - 59 Month CD
1.65%	$10k	-	Business 48 - 59 Month CD
1.40%	$10k	-	36 - 47 Month CD
1.40%	$10k	-	Business 36 - 47 Month CD
1.25%	$10k	-	24 - 35 Month CD
1.25%	$10k	-	Business 24 - 35 Month CD
0.96%	$500k	-	30 Day CD
0.96%	$500k	-	Business 30 Day CD
0.90%	$10k	-	12 - 23 Month CD
0.90%	$10k	-	Business 12 - 23 Month CD
0.50%	$10k	-	6 - 11 Month CD
0.50%	$10k	-	Business 6 - 11 Month CD
0.40%	$10k	-	Under 6 Month CD
0.40%	$10k	-	Business Under 6 Month CD

Investors Community Bank IRA Rates

Apy	Min	Max	Product
1.65%	$10k	-	48 - 59 Month IRA
1.40%	$10k	-	36 - 47 Month IRA
1.25%	$10k	-	24 - 35 Month IRA
0.96%	$500k	-	30 Day IRA
0.90%	$10k	-	12 - 23 Month IRA
0.50%	$10k	-	6 - 11 Month IRA
0.40%	$10k	-	Under 6 Month IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

Investors Community Bank
FDIC Certificate #	34295
BankRate Report	View
Year Established	1997
Employees	79
Primary Regulator	FDIC
Assets and Liabilities
Assets	$684.16 million
Loans	$577.58 million
Deposits	$559.11 million
Equity Capital	$83.14 million
Loan Loss Allowance	$12.10 million
Unbacked Noncurrent Loans	$22.42 million
Real Estate Owned	$4.29 million
Historic Data - September 2010
Assets	$652.49 million
Equity Capital	$64.41 million
Loan Loss Allowance	$13.59 million
Unbacked Noncurrent Loans	$12.29 million
Real Estate Owned	$1.00 million
Profit Margin - Quarterly
Net Interest Margin	3.41%
Return on Assets	0.9%
Return on Equity	8.66%
Interest Income	$25.47 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 September 30, 2011 Investors Community Bank had $26.72 million in non-current loans and owned real-estate with $95.24 million in equity and loan loss allowances on hand to cover it. This gives Investors Community Bank a Texas Ratio of 28.05% 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 Investors Community Bank increased slightly from 16.95% as of September 30, 2010 to 28.05% as of September 30, 2011, resulting in a negative change of 65.46%. This indicates that the balance sheet and financial strength for Investors Community Bank has declined slightly in recent periods.
Deposit Growth
In the past year, Investors Community Bank has increased its total deposits by $3.14 million, resulting in 0.56% 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 Investors Community 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. Investors Community Bank has $684.16 million in assets with $95.24 million in equity, resulting in a capitalization level of 13.92%, which is excellent.