LAFAYETTE COMMUNITY BANK

LAFAYETTE COMMUNITY BANK is headquartered in Lafayette and is the 85^th largest bank in the state of Indiana. It is also the 4,017^st largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 33 employees at 4 locations. LAFAYETTE COMMUNITY BANK has a 4-star health rating.

LAFAYETTE COMMUNITY BANK Routing Number: 074914313

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Data for Q1 2012

Institution Statistics LAFAYETTE COMMUNITY BANK FDIC Certificate # 35476 BankRate Report View Year Established 2000 Employees 33 Primary Regulator FDIC Assets and Liabilities Assets $141.78 million Loans $86.32 million Deposits $125.83 million Equity Capital $15.56 million Loan Loss Allowance $2.20 million Unbacked Noncurrent Loans $3.44 million Real Estate Owned $175,000 Historic Data - March 2011 Assets $136.62 million Equity Capital $14.84 million Loan Loss Allowance $2.48 million Unbacked Noncurrent Loans $2.50 million Real Estate Owned $265,000 Profit Margin - Quarterly Net Interest Margin 4.25% Return on Assets 0.39% Return on Equity 3.5% Interest Income $1.53 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 LAFAYETTE COMMUNITY BANK had $3.61 million in non-current loans and owned real-estate with $17.76 million in equity and loan loss allowances on hand to cover it. This gives LAFAYETTE COMMUNITY BANK a Texas Ratio of 20.34% 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 LAFAYETTE COMMUNITY BANK held steady from 15.98% as of March 31, 2011 to 20.34% as of March 31, 2012, resulting in a negative change of 27.23%. This indicates that the balance sheet and financial strength for LAFAYETTE COMMUNITY BANK has held steady in recent periods. Deposit Growth In the past year, LAFAYETTE COMMUNITY BANK has increased its total deposits by $4.73 million, resulting in 3.91% 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 LAFAYETTE COMMUNITY BANK has shown is above 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. LAFAYETTE COMMUNITY BANK has $141.78 million in assets with $17.76 million in equity, resulting in a capitalization level of 12.53%, which is excellent.

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