Columbus Community Bank

Columbus Community Bank is headquartered in Columbus and is the 164^th largest bank in the state of Georgia. It is also the 4,726^th largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 24 employees at 1 location. Columbus Community Bank has a 5-star health rating.

Columbus Community Bank Routing Number: 061120819

Data for Q1 2012

Institution Statistics Columbus Community Bank FDIC Certificate # 58299 BankRate Report View Year Established 2006 Employees 24 Primary Regulator FDIC Assets and Liabilities Assets $109.37 million Loans $67.73 million Deposits $96.49 million Equity Capital $11.14 million Loan Loss Allowance $1.98 million Unbacked Noncurrent Loans $1.17 million Real Estate Owned $647,000 Historic Data - March 2011 Assets $104.76 million Equity Capital $10.12 million Loan Loss Allowance $2.15 million Unbacked Noncurrent Loans $1.93 million Real Estate Owned $513,000 Profit Margin - Quarterly Net Interest Margin 4.08% Return on Assets 0.75% Return on Equity 7.41% Interest Income $1.21 million

Institution Health Overall Score: 5 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 Columbus Community Bank had $1.82 million in non-current loans and owned real-estate with $13.12 million in equity and loan loss allowances on hand to cover it. This gives Columbus Community Bank a Texas Ratio of 13.87% 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 Columbus Community Bank decreased slightly from 19.92% as of March 31, 2011 to 13.87% as of March 31, 2012, resulting in a positive change of 30.37%.This indicates that the balance sheet and financial strength for Columbus Community Bank has improved slightly in recent periods. Deposit Growth In the past year, Columbus Community Bank has increased its total deposits by $6.16 million, resulting in 6.82% 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 Columbus Community Bank has shown is excellent. 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. Columbus Community Bank has $109.37 million in assets with $13.12 million in equity, resulting in a capitalization level of 12.00%, which is excellent.

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