Community Bank and Trust - Alabama

Community Bank and Trust - Alabama is headquartered in Union Springs and is the 114^st largest bank in the state of Alabama. It is also the 5,520^th largest bank in the nation. It was established in 1990 and as of March of 2012, it had grown to 25 employees at 3 locations. Community Bank and Trust - Alabama has a 1-star health rating.

Data for Q1 2012

Institution Statistics Community Bank and Trust - Alabama FDIC Certificate # 32968 BankRate Report View Year Established 1990 Employees 25 Primary Regulator FDIC Assets and Liabilities Assets $79.07 million Loans $35.69 million Deposits $72.13 million Equity Capital $6.46 million Loan Loss Allowance $449,000 Unbacked Noncurrent Loans $2.08 million Real Estate Owned $5.89 million Historic Data - March 2011 Assets $87.53 million Equity Capital $7.74 million Loan Loss Allowance $1.50 million Unbacked Noncurrent Loans $5.21 million Real Estate Owned $5.65 million Profit Margin - Quarterly Net Interest Margin 3.7% Return on Assets 0.38% Return on Equity 4.75% Interest Income $812,000

Institution Health Overall Score: 1 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 Community Bank and Trust - Alabama had $7.98 million in non-current loans and owned real-estate with $6.91 million in equity and loan loss allowances on hand to cover it. This gives Community Bank and Trust - Alabama a Texas Ratio of 115.43% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Community Bank and Trust - Alabama held steady from 117.57% as of March 31, 2011 to 115.43% as of March 31, 2012, resulting in a positive change of 1.82%.This indicates that the balance sheet and financial strength for Community Bank and Trust - Alabama has held steady in recent periods. Deposit Growth In the past year, Community Bank and Trust - Alabama has decreased its total deposits by -$7.17 million, resulting in -9.04% 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 Community Bank and Trust - Alabama 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. Community Bank and Trust - Alabama has $79.07 million in assets with $6.91 million in equity, resulting in a capitalization level of 8.74%, which is average.

No reviews have been left for this bank yet. Be the first to review.