Community Bank of the Bay

Community Bank of the Bay is headquartered in Oakland and is the 191^st largest bank in the state of California. It is also the 4,141^st largest bank in the nation. It was established in 1996 and as of March of 2012, it had grown to 23 employees at 1 location. Community Bank of the Bay has a 4-star health rating.

Community Bank of the Bay Routing Number: 121142407

Data for Q1 2012

Institution Statistics Community Bank of the Bay FDIC Certificate # 34210 BankRate Report View Year Established 1996 Employees 23 Primary Regulator FDIC Assets and Liabilities Assets $135.02 million Loans $93.68 million Deposits $110.43 million Equity Capital $15.47 million Loan Loss Allowance $2.04 million Unbacked Noncurrent Loans $4.58 million Real Estate Owned $107,000 Historic Data - March 2011 Assets $122.87 million Equity Capital $14.97 million Loan Loss Allowance $2.16 million Unbacked Noncurrent Loans $4.00 million Real Estate Owned $356,000 Profit Margin - Quarterly Net Interest Margin 4.61% Return on Assets 0.78% Return on Equity 6.7% Interest Income $1.47 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 the Bay had $4.69 million in non-current loans and owned real-estate with $17.51 million in equity and loan loss allowances on hand to cover it. This gives Community Bank of the Bay a Texas Ratio of 26.77% 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 the Bay increased slightly from 20.20% as of March 31, 2011 to 26.77% as of March 31, 2012, resulting in a negative change of 32.56%. This indicates that the balance sheet and financial strength for Community Bank of the Bay has declined slightly in recent periods. Deposit Growth In the past year, Community Bank of the Bay has increased its total deposits by $13.01 million, resulting in 13.36% 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 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 $135.02 million in assets with $17.51 million in equity, resulting in a capitalization level of 12.97%, which is excellent.

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