CBC NATIONAL BANK

CBC NATIONAL BANK is headquartered in Fernandina Beach and is the 50^th largest bank in the state of Florida. It is also the 1,398^th largest bank in the nation. It was established in 2000 and as of December of 2011, it had grown to 350 employees at 5 locations. CBC NATIONAL BANK has a 3-star health rating.

CBC NATIONAL BANK Routing Number: 063114658

Data for Q4 2011

Institution Statistics CBC NATIONAL BANK FDIC Certificate # 35309 BankRate Report View Year Established 2000 Employees 350 Primary Regulator OCC Assets and Liabilities Assets $477.61 million Loans $285.57 million Deposits $356.16 million Equity Capital $40.04 million Loan Loss Allowance $5.22 million Unbacked Noncurrent Loans $15.58 million Real Estate Owned $15.42 million Historic Data - December 2010 Assets $427.08 million Equity Capital $38.53 million Loan Loss Allowance $6.01 million Unbacked Noncurrent Loans $21.75 million Real Estate Owned $14.45 million Profit Margin - Quarterly Net Interest Margin 3.87% Return on Assets 0.33% Return on Equity 3.58% Interest Income $17.87 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 December 31, 2011 CBC NATIONAL BANK had $31 million in non-current loans and owned real-estate with $45.27 million in equity and loan loss allowances on hand to cover it. This gives CBC NATIONAL BANK a Texas Ratio of 68.49% 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 CBC NATIONAL BANK decreased slightly from 81.73% as of December 31, 2010 to 68.49% as of December 31, 2011, resulting in a positive change of 16.19%.This indicates that the balance sheet and financial strength for CBC NATIONAL BANK has improved slightly in recent periods. Deposit Growth In the past year, CBC NATIONAL BANK has increased its total deposits by $8.07 million, resulting in 2.32% 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 CBC NATIONAL 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. CBC NATIONAL BANK has $477.61 million in assets with $45.27 million in equity, resulting in a capitalization level of 9.48%, which is average.

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