COMMUNITY BANK OF THE CUMBERLANDS

COMMUNITY BANK OF THE CUMBERLANDS is headquartered in Jamestown and is the 109^th largest bank in the state of Tennessee. It is also the 3,569^th largest bank in the nation. It was established in 2001 and as of March of 2012, it had grown to 45 employees at 3 locations. COMMUNITY BANK OF THE CUMBERLANDS has a 3-star health rating.

COMMUNITY BANK OF THE CUMBERLANDS Routing Number: 064108689

Data for Q1 2012

Institution Statistics COMMUNITY BANK OF THE CUMBERLANDS FDIC Certificate # 57111 BankRate Report View Year Established 2001 Employees 45 Primary Regulator FDIC Assets and Liabilities Assets $167.93 million Loans $126.87 million Deposits $148.38 million Equity Capital $18.03 million Loan Loss Allowance $1.73 million Unbacked Noncurrent Loans $8.04 million Real Estate Owned $1.07 million Historic Data - March 2011 Assets $125.23 million Equity Capital $15.62 million Loan Loss Allowance $1.94 million Unbacked Noncurrent Loans $1.52 million Real Estate Owned $1.66 million Profit Margin - Quarterly Net Interest Margin 5.15% Return on Assets 1.37% Return on Equity 12.9% Interest Income $2.34 million

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 THE CUMBERLANDS had $9.11 million in non-current loans and owned real-estate with $19.76 million in equity and loan loss allowances on hand to cover it. This gives COMMUNITY BANK OF THE CUMBERLANDS a Texas Ratio of 46.10% 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 THE CUMBERLANDS increased slightly from 18.03% as of March 31, 2011 to 46.10% as of March 31, 2012, resulting in a negative change of 155.73%. This indicates that the balance sheet and financial strength for COMMUNITY BANK OF THE CUMBERLANDS has declined slightly in recent periods. Deposit Growth In the past year, COMMUNITY BANK OF THE CUMBERLANDS has increased its total deposits by $40.38 million, resulting in 37.4% 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 CUMBERLANDS 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 CUMBERLANDS has $167.93 million in assets with $19.76 million in equity, resulting in a capitalization level of 11.77%, which is above average.

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