Oregon Community Bank & Trust

Oregon Community Bank & Trust is headquartered in Oregon and is the 123^rd largest bank in the state of Wisconsin. It is also the 3,503^rd largest bank in the nation. It was established in 1976 and as of March of 2012, it had grown to 28 employees at 3 locations. Oregon Community Bank & Trust has a 3-star health rating.

Oregon Community Bank & Trust Routing Number: 075912275

Data for Q1 2012

Institution Statistics Oregon Community Bank & Trust FDIC Certificate # 22334 BankRate Report View Year Established 1976 Employees 28 Primary Regulator FED Assets and Liabilities Assets $171.98 million Loans $124.25 million Deposits $138.94 million Equity Capital $20.64 million Loan Loss Allowance $5.09 million Unbacked Noncurrent Loans $7.01 million Real Estate Owned $7.77 million Historic Data - March 2011 Assets $184.11 million Equity Capital $22.78 million Loan Loss Allowance $1.99 million Unbacked Noncurrent Loans $11.32 million Real Estate Owned $9.07 million Profit Margin - Quarterly Net Interest Margin 4.01% Return on Assets 1.76% Return on Equity 14.97% Interest Income $1.86 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 March 31, 2012 Oregon Community Bank & Trust had $14.78 million in non-current loans and owned real-estate with $25.72 million in equity and loan loss allowances on hand to cover it. This gives Oregon Community Bank & Trust a Texas Ratio of 57.46% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Oregon Community Bank & Trust decreased slightly from 82.29% as of March 31, 2011 to 57.46% as of March 31, 2012, resulting in a positive change of 30.18%.This indicates that the balance sheet and financial strength for Oregon Community Bank & Trust has improved slightly in recent periods. Deposit Growth In the past year, Oregon Community Bank & Trust has decreased its total deposits by -$9.91 million, resulting in -6.66% 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 Oregon Community Bank & Trust has shown is poor. 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. Oregon Community Bank & Trust has $171.98 million in assets with $25.72 million in equity, resulting in a capitalization level of 14.96%, which is excellent.

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