Institution Statistics
| Community Bank & Company | | FDIC Certificate # | 34092 | | BankRate Report | View | | Year Established | 1995 | | Employees | 175 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $826.85 million | | Loans | $555.89 million | | Deposits | $652.39 million | | Equity Capital | $77.10 million | | Loan Loss Allowance | $5.71 million | | Unbacked Noncurrent Loans | $29.53 million | | Real Estate Owned | $12.56 million |
Historic Data - March 2011 | | Assets | $302.53 million | | Equity Capital | $30.40 million | | Loan Loss Allowance | $4.24 million | | Unbacked Noncurrent Loans | $11.91 million | | Real Estate Owned | $3.31 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.23% | | Return on Assets | 0.53% | | Return on Equity | 5.39% | | Interest Income | $8.97 million |
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Institution Health
Overall Score:
3 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 Manatee had $42.09 million in non-current loans and owned real-estate with $82.82 million in equity and loan loss allowances on hand to cover it. This gives Community Bank of Manatee a Texas Ratio of 50.83% 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 Manatee increased slightly from 43.94% as of March 31, 2011 to 50.83% as of March 31, 2012, resulting in a negative change of 15.66%. This indicates that the balance sheet and financial strength for Community Bank of Manatee has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, Community Bank of Manatee has increased its total deposits by $407.68 million, resulting in 166.59% 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 Manatee 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 of Manatee has $826.85 million in assets with $82.82 million in equity, resulting in a capitalization level of 10.02%, which is above average. |
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