Community Bank, National Association

Community Bank, National Association is headquartered in Canton and is the 14^st largest bank in the state of New York. It is also the 137^th largest bank in the nation. It was established in 1866 and as of March of 2012, it had grown to 1,605 employees at 175 locations. Community Bank, National Association has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Community Bank, National Association FDIC Certificate # 6989 BankRate Report View Year Established 1866 Employees 1605 Primary Regulator OCC Assets and Liabilities Assets $6.89 billion Loans $3.42 billion Deposits $5.05 billion Equity Capital $829.52 million Loan Loss Allowance $42.05 million Unbacked Noncurrent Loans $31.17 million Real Estate Owned $2.69 million Historic Data - March 2011 Assets $5.52 billion Equity Capital $675.51 million Loan Loss Allowance $42.40 million Unbacked Noncurrent Loans $17.12 million Real Estate Owned $1.95 million Profit Margin - Quarterly Net Interest Margin 3.68% Return on Assets 1.11% Return on Equity 9% Interest Income $67.48 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, National Association had $33.86 million in non-current loans and owned real-estate with $871.58 million in equity and loan loss allowances on hand to cover it. This gives Community Bank, National Association a Texas Ratio of 3.88% 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, National Association held steady from 2.67% as of March 31, 2011 to 3.88% as of March 31, 2012, resulting in a negative change of 45.53%. This indicates that the balance sheet and financial strength for Community Bank, National Association has held steady in recent periods. Deposit Growth In the past year, Community Bank, National Association has increased its total deposits by $993.02 million, resulting in 24.48% 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, National Association 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, National Association has $6.89 billion in assets with $871.58 million in equity, resulting in a capitalization level of 12.66%, which is excellent.

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