Lee County Bank & Trust, N.A.

Lee County Bank & Trust, N.A. is headquartered in Fort Madison and is the 101^st largest bank in the state of Iowa. It is also the 3,602^nd largest bank in the nation. It was established in 1888 and as of September of 2011, it had grown to 40 employees at 3 locations. Lee County Bank & Trust, N.A.'s savings rates are 96% higher than the national average, and it has a 3-star health rating.

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Data for Q3 2011

Institution Statistics Lee County Bank & Trust, National Association FDIC Certificate # 5819 BankRate Report View Year Established 1888 Employees 40 Primary Regulator OCC Assets and Liabilities Assets $165.27 million Loans $119.21 million Deposits $116.73 million Equity Capital $13.08 million Loan Loss Allowance $1.48 million Unbacked Noncurrent Loans $3.48 million Historic Data - September 2010 Assets $171.87 million Equity Capital $14.21 million Loan Loss Allowance $2.49 million Unbacked Noncurrent Loans $3.99 million Real Estate Owned $22,000 Profit Margin - Quarterly Net Interest Margin 3.54% Return on Assets -0.77% Return on Equity -9.32% Interest Income $6.19 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 Lee County Bank & Trust, N.A. had $3.48 million in non-current loans and owned real-estate with $14.56 million in equity and loan loss allowances on hand to cover it. This gives Lee County Bank & Trust, N.A. a Texas Ratio of 23.88% 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 Lee County Bank & Trust, N.A. held steady from 24.01% as of September 30, 2010 to 23.88% as of September 30, 2011, resulting in a positive change of 0.56%.This indicates that the balance sheet and financial strength for Lee County Bank & Trust, N.A. has held steady in recent periods. Deposit Growth In the past year, Lee County Bank & Trust, N.A. has decreased its total deposits by -$4.73 million, resulting in -3.89% 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 Lee County Bank & Trust, N.A. has shown is below 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. Lee County Bank & Trust, N.A. has $165.27 million in assets with $14.56 million in equity, resulting in a capitalization level of 8.81%, which is average.

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