Community Bank Delaware

Community Bank Delaware is headquartered in Lewes and is the 25^th largest bank in the state of Delaware. It is also the 4,207^th largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 24 employees at 2 locations. Community Bank Delaware has a 5-star health rating.

Community Bank Delaware Routing Number: 031101211

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Data for Q1 2012

Institution Statistics Community Bank Delaware FDIC Certificate # 58311 BankRate Report View Year Established 2006 Employees 24 Primary Regulator FDIC Assets and Liabilities Assets $131.99 million Loans $103.79 million Deposits $108.63 million Equity Capital $18.11 million Loan Loss Allowance $1.78 million Unbacked Noncurrent Loans $1.37 million Historic Data - March 2011 Assets $124.60 million Equity Capital $11.60 million Loan Loss Allowance $1.36 million Unbacked Noncurrent Loans $1.12 million Profit Margin - Quarterly Net Interest Margin 4.14% Return on Assets 0.82% Return on Equity 5.99% Interest Income $1.57 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 Community Bank Delaware had $1.37 million in non-current loans and owned real-estate with $19.89 million in equity and loan loss allowances on hand to cover it. This gives Community Bank Delaware a Texas Ratio of 6.90% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Community Bank Delaware decreased slightly from 8.60% as of March 31, 2011 to 6.90% as of March 31, 2012, resulting in a positive change of 19.73%.This indicates that the balance sheet and financial strength for Community Bank Delaware has improved slightly in recent periods. Deposit Growth In the past year, Community Bank Delaware has increased its total deposits by $2.97 million, resulting in 2.81% 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 Delaware has shown is above 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. Community Bank Delaware has $131.99 million in assets with $19.89 million in equity, resulting in a capitalization level of 15.07%, which is excellent.

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