Commercial Banking Company

Commercial Banking Company is headquartered in Valdosta and is the 86^th largest bank in the state of Georgia. It is also the 2,988^th largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 55 employees at 4 locations. Commercial Banking Company has a 3-star health rating.

Data for Q1 2012

Institution Statistics Commercial Banking Company OTS # 13248 FDIC Certificate # 16246 BankRate Report View Year Established 1934 Employees 55 Primary Regulator OCC Assets and Liabilities Assets $211.42 million Loans $141.87 million Deposits $164.81 million Equity Capital $28.87 million Loan Loss Allowance $2.39 million Unbacked Noncurrent Loans $2.23 million Real Estate Owned $2.56 million Historic Data - March 2011 Assets $216.42 million Equity Capital $21.13 million Loan Loss Allowance $1.62 million Unbacked Noncurrent Loans $1.61 million Real Estate Owned $739,000 Profit Margin - Quarterly Net Interest Margin 3.95% Return on Assets 0.75% Return on Equity 5.34% Interest Income $2.46 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 Commercial Banking Company had $4.79 million in non-current loans and owned real-estate with $31.26 million in equity and loan loss allowances on hand to cover it. This gives Commercial Banking Company a Texas Ratio of 15.32% 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 Commercial Banking Company held steady from 10.33% as of March 31, 2011 to 15.32% as of March 31, 2012, resulting in a negative change of 48.34%. This indicates that the balance sheet and financial strength for Commercial Banking Company has held steady in recent periods. Deposit Growth In the past year, Commercial Banking Company has decreased its total deposits by -$12.93 million, resulting in -7.27% 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 Commercial Banking Company has shown is poor. 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. Commercial Banking Company has $211.42 million in assets with $31.26 million in equity, resulting in a capitalization level of 14.79%, which is excellent.

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