Community Bank of Florida, Inc.

Community Bank of Florida, Inc. is headquartered in Homestead and is the 47^th largest bank in the state of Florida. It is also the 1,291^st largest bank in the nation. It was established in 1973 and as of March of 2012, it had grown to 159 employees at 12 locations. Community Bank of Florida, Inc. has a 2-star health rating.

Data for Q1 2012

Institution Statistics Community Bank of Florida, Inc. FDIC Certificate # 21258 BankRate Report View Year Established 1973 Employees 159 Primary Regulator FDIC Assets and Liabilities Assets $526.28 million Loans $356.33 million Deposits $457.61 million Equity Capital $46.71 million Loan Loss Allowance $5.90 million Unbacked Noncurrent Loans $12.39 million Real Estate Owned $21.75 million Historic Data - March 2011 Assets $565.38 million Equity Capital $44.69 million Loan Loss Allowance $10.74 million Unbacked Noncurrent Loans $33.99 million Real Estate Owned $15.59 million Profit Margin - Quarterly Net Interest Margin 4.18% Return on Assets 0.34% Return on Equity 4.01% Interest Income $5.81 million

Institution Health Overall Score: 2 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 of Florida, Inc. had $34.14 million in non-current loans and owned real-estate with $52.61 million in equity and loan loss allowances on hand to cover it. This gives Community Bank of Florida, Inc. a Texas Ratio of 64.89% which is below 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 of Florida, Inc. decreased slightly from 90.51% as of March 31, 2011 to 64.89% as of March 31, 2012, resulting in a positive change of 28.30%.This indicates that the balance sheet and financial strength for Community Bank of Florida, Inc. has improved slightly in recent periods. Deposit Growth In the past year, Community Bank of Florida, Inc. has decreased its total deposits by -$40.49 million, resulting in -8.13% 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 of Florida, Inc. 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 of Florida, Inc. has $526.28 million in assets with $52.61 million in equity, resulting in a capitalization level of 10.00%, which is average.

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