Community Bank (CA)

790 East Colorado Boulevard
Pasadena, CA 91101
800-788-9999
www.cbank.com

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Community Bank (CA) is headquartered in Pasadena and is the 20^th largest bank in the state of California. It is also the 242^nd largest bank in the nation. It was established in 1983 and as of December of 2012, it had grown to 405 employees at 18 locations. Community Bank (CA) has a 4-star health rating.

Top 5-Year CD and IRA CD Rate at Community Bank in Southern California - Local Only - 8/5/2010

Community Bank is offering a 3.05% APY 5-year CD. Minimum deposit is $50,000. The rate is only 2.33% APY for a $2,500 minimum deposit. The 3.05% APY is also available in an IRA with only a $500 minimu ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Community Bank (CA) Checking Account Rates

Apy	Min	Max	Product
0.23%	$1m	-	Legal Services Trust Fund
0.23%	$1m	-	Business Interest Checking
0.05%	$1,500	-	Personal Interest Checking

Community Bank (CA) Savings Account Rates

Apy	Min	Max	Product
0.10%	-	-	Personal Savings Account
0.10%	-	-	Business Savings Account

Community Bank (CA) Money Market Rates

Apy	Min	Max	Product
0.35%	$100k	-	Personal Premier Money Market Account
0.25%	$2,500	-	Business Premier Money Market Account

Community Bank (CA) CD Rates

Apy	Min	Max	Product
1.26%	$50k	-	5 Year - 2189 Day CD
1.26%	$50k	-	Business 5 Year - 2189 Day CD
1.06%	$50k	-	4 Year - 1824 Day CD
1.06%	$50k	-	Business 4 Year - 1824 Day CD
0.90%	$50k	-	3 Year - 1459 Day CD
0.90%	$50k	-	Business 3 Year - 1459 Day CD
0.70%	$50k	-	2 Year - 1094 Day CD
0.70%	$50k	-	Business 2 Year - 1094 Day CD
0.60%	$50k	-	546 - 729 Day CD
0.60%	$50k	-	Business 546 - 729 Day CD
0.55%	$50k	-	365 - 545 Day CD
0.55%	$50k	-	Business 365 - 545 Day CD
0.35%	$50k	-	180 - 364 Day CD
0.35%	$50k	-	Business 180 - 364 Day CD
0.20%	$50k	-	90 - 179 Day CD
0.20%	$50k	-	Business 90 - 179 Day CD
0.15%	$2,500	-	7 - 29 Day CD
0.15%	$2,500	-	30 - 89 Day CD
0.15%	$250k	-	Treasury CD
0.15%	$2,500	-	Business 7 - 29 Day CD
0.15%	$2,500	-	Business 30 - 89 Day CD
0.14%	$5k	-	Business Treasury CD

Community Bank (CA) IRA Rates

Apy	Min	Max	Product
1.26%	$500	-	60 Month Fixed IRA
1.26%	$500	-	60 Month Fixed Roth IRA
1.26%	$500	-	60 Month Fixed Keogh IRA
1.26%	$500	-	60 Month Fixed Education IRA
0.70%	$500	-	30 - 59 Month Fixed IRA
0.70%	$500	-	30 - 59 Month Fixed Roth IRA
0.70%	$500	-	30 - 59 Month Fixed Keogh IRA
0.70%	$500	-	30 - 59 Month Fixed Education IRA
0.60%	$500	-	19 - 29 Month Fixed IRA
0.60%	$500	-	19 - 29 Month Fixed Roth IRA
0.60%	$500	-	19 - 29 Month Fixed Keogh IRA
0.60%	$100	-	18 Month Fixed Education IRA
0.60%	$500	-	19 - 29 Month Fixed Education IRA
0.55%	$500	-	12 - 18 Month Fixed IRA
0.55%	$500	-	12 - 18 Month Fixed Roth IRA
0.55%	$500	-	12 - 18 Month Fixed Keogh IRA
0.55%	$500	-	12 - 18 Month Fixed Education IRA
0.35%	$500	-	6 - 11 Month Fixed IRA
0.35%	$500	-	6 - 11 Month Fixed Roth IRA
0.35%	$500	-	6 - 11 Month Fixed Keogh IRA
0.35%	$500	-	6 - 11 Month Fixed Education IRA
0.20%	$500	-	3 - 5 Month Fixed IRA
0.20%	$500	-	3 - 5 Month Fixed Roth IRA
0.20%	$500	-	3 - 5 Month Fixed Keogh IRA
0.20%	$500	-	3 - 5 Month Fixed Education IRA
0.15%	$500	-	18 Month Variable IRA
0.15%	$500	-	18 Month Variable Roth IRA
0.15%	$500	-	18 Month Variable Education IRA
0.15%	$100	-	18 Month Variable Keogh IRA

Rates updated: 5/23/2013

Data for Q4 2012

Institution Statistics

Community Bank
FDIC Certificate #	24315
BankRate Report	View
Year Established	1983
Employees	405
Primary Regulator	FDIC
Assets and Liabilities
Assets	$3.06 billion
Loans	$1.91 billion
Deposits	$2.21 billion
Equity Capital	$256.84 million
Loan Loss Allowance	$34.88 million
Unbacked Noncurrent Loans	$33.92 million
Real Estate Owned	$4.73 million
Historic Data - December 2011
Assets	$2.60 billion
Equity Capital	$265.10 million
Loan Loss Allowance	$37.45 million
Unbacked Noncurrent Loans	$53.08 million
Real Estate Owned	$6.18 million
Profit Margin - Quarterly
Net Interest Margin	3.53%
Return on Assets	0.91%
Return on Equity	9.42%
Interest Income	$114.83 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, 2012 Community Bank (CA) had $38.65 million in non-current loans and owned real-estate with $291.71 million in equity and loan loss allowances on hand to cover it. This gives Community Bank (CA) a Texas Ratio of 13.25% 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 Community Bank (CA) decreased slightly from 20.24% as of December 31, 2011 to 13.25% as of December 31, 2012, resulting in a positive change of 34.53%.This indicates that the balance sheet and financial strength for Community Bank (CA) has improved slightly in recent periods.
Deposit Growth
In the past year, Community Bank (CA) has increased its total deposits by $268.52 million, resulting in 13.83% 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 (CA) 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. Community Bank (CA) has $3.06 billion in assets with $291.71 million in equity, resulting in a capitalization level of 9.53%, which is average.