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Overview / Commentary
510-433-5400
180 Grand Ave. Suite 120
Oakland, CA 94612

Community Bank of the Bay is headquartered in Oakland and is the 143rd largest bank in the state of California. It is also the 3,130th largest bank in the nation. It was established in 1996 and as of March of 2014, it had grown to 31 employees at 2 locations. Community Bank of the Bay has a B+ health rating.

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Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
B+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Community Bank of the Bay had $3.3 million in non-current loans and owned real-estate with $22.14 million in equity and loan loss allowances on hand to cover it. This gives Community Bank of the Bay a Texas Ratio of 14.92% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Community Bank of the Bay experienced no significant changes from 16.02% as of March 31, 2013 to 14.92% as of March 31, 2014, resulting in a positive change of 6.88%.This indicates that the balance sheet and financial strength for Community Bank of the Bay has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Community Bank of the Bay has increased its total deposits by $30.22 million, resulting in 21.72% 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 the Bay has shown is excellent.

Capitalization

GRADE:
A

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 the Bay has $193.47 million in assets with $22.14 million in equity, resulting in a capitalization level of 11.44%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #34210
Year Established1996
Employees31
Primary RegulatorFDIC
Assets and Liabilities
Assets$193.47 million
Loans$127.40 million
Deposits$169.35 million
Equity Capital$19.63 million
Loan Loss Allowance$2.50 million
Unbacked Noncurrent Loans$3.30 million
Real Estate Owned$0
Historic Data - March 2013
Assets$163.20 million
Equity Capital$17.68 million
Loan Loss Allowance$2.33 million
Unbacked Noncurrent Loans$3.30 million
Real Estate Owned$81,000
Profit Margin - Quarterly
Net Interest Margin4.16%
Return on Assets1.17%
Return on Equity11.13%
Interest Income$1.96 million
Rates

Sorry, we do not have rate data for Community Bank of the Bay

Locations


Community Bank of the Bay Locations
Community Bank Of The Bay180 Grand AvenueOakland, CA 94612
Danville Branch390 Railroad Ave., Suite 101Danville, CA 94526