Two Rivers Bank and Trust

Two Rivers Bank and Trust is headquartered in Burlington and is the 17^st largest bank in the state of Iowa. It is also the 966^th largest bank in the nation. It was established in 2005 and as of March of 2012, it had grown to 135 employees at 12 locations. Two Rivers Bank and Trust has a 3-star health rating.

Two Rivers Bank and Trust Checking Account Rates

Data for Q1 2012

Institution Statistics Two Rivers Bank & Trust FDIC Certificate # 58013 BankRate Report View Year Established 2005 Employees 135 Primary Regulator FDIC Assets and Liabilities Assets $684.10 million Loans $430.47 million Deposits $489.81 million Equity Capital $73.60 million Loan Loss Allowance $8.57 million Unbacked Noncurrent Loans $10.44 million Real Estate Owned $5.71 million Historic Data - March 2011 Assets $684.55 million Equity Capital $64.90 million Loan Loss Allowance $5.63 million Unbacked Noncurrent Loans $3.69 million Real Estate Owned $5.91 million Profit Margin - Quarterly Net Interest Margin 3.42% Return on Assets 0.84% Return on Equity 7.72% Interest Income $6.50 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 Two Rivers Bank and Trust had $16.15 million in non-current loans and owned real-estate with $82.17 million in equity and loan loss allowances on hand to cover it. This gives Two Rivers Bank and Trust a Texas Ratio of 19.66% 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 Two Rivers Bank and Trust increased slightly from 13.62% as of March 31, 2011 to 19.66% as of March 31, 2012, resulting in a negative change of 44.39%. This indicates that the balance sheet and financial strength for Two Rivers Bank and Trust has declined slightly in recent periods. Deposit Growth In the past year, Two Rivers Bank and Trust has decreased its total deposits by -$8.49 million, resulting in -1.7% 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 Two Rivers Bank and Trust 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. Two Rivers Bank and Trust has $684.1 million in assets with $82.17 million in equity, resulting in a capitalization level of 12.01%, which is excellent.

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