Community Bank of the South

Community Bank of the South is headquartered in Smyrna and is the 38^th largest bank in the state of Georgia. It is also the 1,828^th largest bank in the nation. It was established in 1999 and as of March of 2012, it had grown to 57 employees at 4 locations. Community Bank of the South has a 3-star health rating.

Community Bank of the South Routing Number: 061119723

Data for Q1 2012

Institution Statistics Community Bank of the South FDIC Certificate # 35036 BankRate Report View Year Established 1999 Employees 57 Primary Regulator FDIC Assets and Liabilities Assets $362.07 million Loans $252.72 million Deposits $331.13 million Equity Capital $24.74 million Loan Loss Allowance $9.12 million Unbacked Noncurrent Loans $7.22 million Real Estate Owned $18.45 million Historic Data - March 2011 Assets $364.78 million Equity Capital $22.98 million Loan Loss Allowance $9.67 million Unbacked Noncurrent Loans $8.59 million Real Estate Owned $16.96 million Profit Margin - Quarterly Net Interest Margin 3.99% Return on Assets 0.24% Return on Equity 3.47% Interest Income $4.18 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 South had $25.67 million in non-current loans and owned real-estate with $33.85 million in equity and loan loss allowances on hand to cover it. This gives Community Bank of the South a Texas Ratio of 75.83% 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 South held steady from 78.24% as of March 31, 2011 to 75.83% as of March 31, 2012, resulting in a positive change of 3.08%.This indicates that the balance sheet and financial strength for Community Bank of the South has held steady in recent periods. Deposit Growth In the past year, Community Bank of the South has decreased its total deposits by -$1.15 million, resulting in -0.35% 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 has shown is average. 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 has $362.07 million in assets with $33.85 million in equity, resulting in a capitalization level of 9.35%, which is average.

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