Community Bank of the South (FL)

Community Bank of the South (FL) is headquartered in Merritt Island and is the 164^th largest bank in the state of Florida. It is also the 4,254^th largest bank in the nation. It was established in 1999 and as of March of 2012, it had grown to 20 employees at 3 locations. Community Bank of the South (FL) has a 4-star health rating.

Data for Q1 2012

Institution Statistics Community Bank of the South FDIC Certificate # 35212 BankRate Report View Year Established 1999 Employees 20 Primary Regulator FDIC Assets and Liabilities Assets $129.83 million Loans $52.88 million Deposits $105.97 million Equity Capital $15.54 million Loan Loss Allowance $1.36 million Unbacked Noncurrent Loans $1.11 million Real Estate Owned $2.65 million Historic Data - March 2011 Assets $117.43 million Equity Capital $10.68 million Loan Loss Allowance $1.26 million Unbacked Noncurrent Loans $2.21 million Real Estate Owned $1.41 million Profit Margin - Quarterly Net Interest Margin 3.59% Return on Assets 0.64% Return on Equity 5.21% Interest Income $1.14 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 South (FL) had $3.76 million in non-current loans and owned real-estate with $16.9 million in equity and loan loss allowances on hand to cover it. This gives Community Bank of the South (FL) a Texas Ratio of 22.24% 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 South (FL) decreased slightly from 30.30% as of March 31, 2011 to 22.24% as of March 31, 2012, resulting in a positive change of 26.62%.This indicates that the balance sheet and financial strength for Community Bank of the South (FL) has improved slightly in recent periods. Deposit Growth In the past year, Community Bank of the South (FL) has increased its total deposits by $7.37 million, resulting in 7.47% 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 South (FL) 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 South (FL) has $129.83 million in assets with $16.9 million in equity, resulting in a capitalization level of 13.02%, which is excellent.

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