COMMUNITY BANK OF SNYDER

COMMUNITY BANK OF SNYDER is headquartered in Snyder and is the 334^th largest bank in the state of Texas. It is also the 4,295^th largest bank in the nation. It was established in 1905 and as of March of 2012, it had grown to 31 employees at 1 location. COMMUNITY BANK OF SNYDER's money market rates are 59% higher than the national average, and it has a 4-star health rating.

COMMUNITY BANK OF SNYDER Routing Number: 111303667

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Data for Q1 2012

Institution Statistics COMMUNITY BANK OF SNYDER FDIC Certificate # 14776 BankRate Report View Year Established 1905 Employees 31 Primary Regulator FDIC Assets and Liabilities Assets $128.13 million Loans $73.36 million Deposits $115.27 million Equity Capital $11.52 million Loan Loss Allowance $550,000 Unbacked Noncurrent Loans $2.89 million Historic Data - March 2011 Assets $105.26 million Equity Capital $11.36 million Loan Loss Allowance $551,000 Unbacked Noncurrent Loans $3.00 million Profit Margin - Quarterly Net Interest Margin 3.66% Return on Assets 0.8% Return on Equity 8.5% Interest Income $1.20 million

Institution Health Overall Score: 4 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 SNYDER had $2.89 million in non-current loans and owned real-estate with $12.07 million in equity and loan loss allowances on hand to cover it. This gives COMMUNITY BANK OF SNYDER a Texas Ratio of 23.95% which is 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 SNYDER held steady from 25.21% as of March 31, 2011 to 23.95% as of March 31, 2012, resulting in a positive change of 4.98%.This indicates that the balance sheet and financial strength for COMMUNITY BANK OF SNYDER has held steady in recent periods. Deposit Growth In the past year, COMMUNITY BANK OF SNYDER has increased its total deposits by $22.73 million, resulting in 24.57% 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 SNYDER 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 SNYDER has $128.12 million in assets with $12.07 million in equity, resulting in a capitalization level of 9.42%, which is average.

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