Key Community Bank

Key Community Bank is headquartered in Inver Grove Heig and is the 265^th largest bank in the state of Minnesota. It is also the 6,243^rd largest bank in the nation. It was established in 1998 and as of March of 2012, it had grown to 16 employees at 2 locations. Key Community Bank has a 2-star health rating.

Key Community Bank Routing Number: 096018352

Key Community Bank CD Rates

Data for Q1 2012

Institution Statistics Key Community Bank FDIC Certificate # 34644 BankRate Report View Year Established 1998 Employees 16 Primary Regulator FDIC Assets and Liabilities Assets $54.02 million Loans $33.50 million Deposits $44.37 million Equity Capital $4.31 million Loan Loss Allowance $946,000 Unbacked Noncurrent Loans $3.91 million Real Estate Owned $1.10 million Historic Data - March 2011 Assets $59.56 million Equity Capital $6.05 million Loan Loss Allowance $728,000 Unbacked Noncurrent Loans $2.24 million Real Estate Owned $663,000 Profit Margin - Quarterly Net Interest Margin 3.42% Return on Assets -3.04% Return on Equity -38.35% Interest Income $532,000

Institution Health Overall Score: 2 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 Key Community Bank had $5 million in non-current loans and owned real-estate with $5.25 million in equity and loan loss allowances on hand to cover it. This gives Key Community Bank a Texas Ratio of 95.28% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Key Community Bank increased slightly from 42.76% as of March 31, 2011 to 95.28% as of March 31, 2012, resulting in a negative change of 122.84%. This indicates that the balance sheet and financial strength for Key Community Bank has declined slightly in recent periods. Deposit Growth In the past year, Key Community Bank has increased its total deposits by $304,000, resulting in 0.69% 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 Key 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. Key Community Bank has $54.02 million in assets with $5.25 million in equity, resulting in a capitalization level of 9.72%, which is average.

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