Twin Lakes Community Bank

Twin Lakes Community Bank is headquartered in Flippin and is the 100^th largest bank in the state of Arkansas. It is also the 5,309^th largest bank in the nation. It was established in 1930 and as of March of 2012, it had grown to 31 employees at 3 locations. Twin Lakes Community Bank has a 3-star health rating.

Twin Lakes Community Bank Routing Number: 082908890

Data for Q1 2012

Institution Statistics Twin Lakes Community Bank FDIC Certificate # 15880 BankRate Report View Year Established 1930 Employees 31 Primary Regulator FED Assets and Liabilities Assets $86.61 million Loans $53.12 million Deposits $77.37 million Equity Capital $8.95 million Loan Loss Allowance $1.61 million Unbacked Noncurrent Loans $3.11 million Real Estate Owned $486,000 Historic Data - March 2011 Assets $85.80 million Equity Capital $11.02 million Loan Loss Allowance $1.14 million Unbacked Noncurrent Loans $3.33 million Real Estate Owned $562,000 Profit Margin - Quarterly Net Interest Margin 3.52% Return on Assets 0.4% Return on Equity 3.89% Interest Income $988,000

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 Twin Lakes Community Bank had $3.6 million in non-current loans and owned real-estate with $10.56 million in equity and loan loss allowances on hand to cover it. This gives Twin Lakes Community Bank a Texas Ratio of 34.07% 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 Twin Lakes Community Bank held steady from 31.97% as of March 31, 2011 to 34.07% as of March 31, 2012, resulting in a negative change of 6.54%. This indicates that the balance sheet and financial strength for Twin Lakes Community Bank has held steady in recent periods. Deposit Growth In the past year, Twin Lakes Community Bank has increased its total deposits by $2.89 million, resulting in 3.87% 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 Twin Lakes 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. Twin Lakes Community Bank has $86.61 million in assets with $10.56 million in equity, resulting in a capitalization level of 12.19%, which is excellent.

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