CCB COMMUNITY BANK

CCB COMMUNITY BANK is headquartered in Andalusia and is the 20^th largest bank in the state of Alabama. It is also the 1,687^th largest bank in the nation. It was established in 1947 and as of December of 2011, it had grown to 96 employees at 3 locations. CCB COMMUNITY BANK has a 4-star health rating.

CCB COMMUNITY BANK Routing Number: 062105778

Data for Q4 2011

Institution Statistics CCB COMMUNITY BANK FDIC Certificate # 16595 BankRate Report View Year Established 1947 Employees 96 Primary Regulator FED Assets and Liabilities Assets $392.38 million Loans $308.55 million Deposits $319.61 million Equity Capital $40.91 million Loan Loss Allowance $3.98 million Unbacked Noncurrent Loans $1.04 million Real Estate Owned $5.43 million Historic Data - December 2010 Assets $388.00 million Equity Capital $32.72 million Loan Loss Allowance $4.34 million Unbacked Noncurrent Loans $4.57 million Real Estate Owned $3.16 million Profit Margin - Quarterly Net Interest Margin 4.74% Return on Assets 1.1% Return on Equity 11.92% Interest Income $21.22 million

Institution Health Overall Score: 4 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 CCB COMMUNITY BANK had $6.46 million in non-current loans and owned real-estate with $44.89 million in equity and loan loss allowances on hand to cover it. This gives CCB COMMUNITY BANK a Texas Ratio of 14.40% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for CCB COMMUNITY BANK decreased slightly from 20.84% as of December 31, 2010 to 14.40% as of December 31, 2011, resulting in a positive change of 30.91%.This indicates that the balance sheet and financial strength for CCB COMMUNITY BANK has improved slightly in recent periods. Deposit Growth In the past year, CCB COMMUNITY BANK has increased its total deposits by $2.51 million, resulting in 0.79% 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 CCB COMMUNITY BANK has shown is 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. CCB COMMUNITY BANK has $392.38 million in assets with $44.89 million in equity, resulting in a capitalization level of 11.44%, which is above average.

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