Community Bank of Santa Maria

Community Bank of Santa Maria is headquartered in Santa Maria and is the 175^th largest bank in the state of California. It is also the 3,704^th largest bank in the nation. It was established in 2001 and as of March of 2012, it had grown to 49 employees at 3 locations. Community Bank of Santa Maria has a 5-star health rating.

Community Bank of Santa Maria Routing Number: 122243237

Data for Q1 2012

Institution Statistics Community Bank of Santa Maria FDIC Certificate # 57073 BankRate Report View Year Established 2001 Employees 49 Primary Regulator FDIC Assets and Liabilities Assets $160.11 million Loans $103.58 million Deposits $141.57 million Equity Capital $17.97 million Loan Loss Allowance $2.11 million Unbacked Noncurrent Loans $63,000 Real Estate Owned $908,000 Historic Data - March 2011 Assets $149.66 million Equity Capital $15.41 million Loan Loss Allowance $2.23 million Unbacked Noncurrent Loans $886,000 Real Estate Owned $1.74 million Profit Margin - Quarterly Net Interest Margin 4.58% Return on Assets 0.35% Return on Equity 3.17% Interest Income $1.80 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 of Santa Maria had $971,000 in non-current loans and owned real-estate with $20.08 million in equity and loan loss allowances on hand to cover it. This gives Community Bank of Santa Maria a Texas Ratio of 4.84% 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 of Santa Maria decreased significantly from 14.91% as of March 31, 2011 to 4.84% as of March 31, 2012, resulting in a positive change of 67.57%.This indicates that the balance sheet and financial strength for Community Bank of Santa Maria has improved significantly in recent periods. Deposit Growth In the past year, Community Bank of Santa Maria has increased its total deposits by $7.79 million, resulting in 5.83% 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 of Santa Maria 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 Santa Maria has $160.11 million in assets with $20.08 million in equity, resulting in a capitalization level of 12.54%, which is excellent.

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