Community Bank (PA)

100 Market Street
Carmichaels, PA 15320
724-966-5041
www.communitybank.tv

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Community Bank (PA) is headquartered in Carmichaels and is the 68^th largest bank in the state of Pennsylvania. It is also the 1,228^th largest bank in the nation. It was established in 1901 and as of December of 2012, it had grown to 130 employees at 11 locations. Community Bank (PA) has a 4-star health rating.

Community Bank (PA) RCA (1.5%,$25K) To (1.0%,$25K) (Forum) - 1/3/2013

This is yet another decrease for the CashCow Checking account, which Ken first featured 10/15/09 at 4.0%. The APY has decreased 50 basis points almost every six monts since then.

3.05% 26-Month Add-On CD at Community Bank in PA - Local Only - 3/13/2009

Community Bank is offering a special 26-month Add-On CD with a 3.05% APY. Minimum deposit is $10,000. Additional deposits of at least $2,500 are allowed at any time during the CD term. This promotion is listed at the bank's home page as of 3/13/09....

4.00% Reward Checking Account at Community Bank in PA - Local Only - 3/13/2009

Community Bank is offering a reward checking account called Cash Cow Checking. The account offers the following features if certain monthly requirements are met:4.00% APY on balances up to $25,0001.00% APY on balances over $25,0000.25% base rate if...

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See Rates for: Checking | Savings | Money Market | CD

Community Bank (PA) Checking Account Rates

Apy	Min	Max	Product
1.00%	-	$25k	Cash Cow
0.15%	-	-	Century Club Interest Checking
0.05%	$1,500	-	Interest Checking

Community Bank (PA) Savings Account Rates

Apy	Min	Max	Product
0.35%	-	-	Holiday Club
0.30%	-	-	Vacation Club
0.25%	$5k	-	Century Club Statement Savings
0.15%	$50	-	Passbook Savings
0.15%	$200	-	Statement Savings

Community Bank (PA) Money Market Rates

Apy	Min	Max	Product
0.25%	$100k	-	Tiered Money Market Account
0.10%	$2,500	-	Money Market Account

Community Bank (PA) CD Rates

Apy	Min	Max	Product
1.40%	$500	-	84 Month CD
1.20%	$500	-	60 Month CD
0.55%	$2,500	-	33 Month CD Special
0.20%	$1k	-	9 Month CD
0.20%	$500	-	12 Month CD
0.20%	$2,500	-	24 Month Ready Access CD
0.15%	$2,500	-	10 Month CD Special
0.12%	$2,500	-	182 Day CD

Rates updated: 5/25/2013

Data for Q4 2012

Institution Statistics

Community Bank
FDIC Certificate #	7848
BankRate Report	View
Year Established	1901
Employees	130
Primary Regulator	FDIC
Assets and Liabilities
Assets	$546.46 million
Loans	$342.23 million
Deposits	$471.27 million
Equity Capital	$43.35 million
Loan Loss Allowance	$5.90 million
Unbacked Noncurrent Loans	$5.49 million
Real Estate Owned	$928,000
Historic Data - December 2011
Assets	$533.54 million
Equity Capital	$41.35 million
Loan Loss Allowance	$5.88 million
Unbacked Noncurrent Loans	$5.50 million
Real Estate Owned	$661,000
Profit Margin - Quarterly
Net Interest Margin	3.08%
Return on Assets	0.78%
Return on Equity	9.92%
Interest Income	$18.73 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 December 31, 2012 Community Bank (PA) had $6.42 million in non-current loans and owned real-estate with $49.25 million in equity and loan loss allowances on hand to cover it. This gives Community Bank (PA) a Texas Ratio of 13.03% which is above 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 (PA) held steady from 13.04% as of December 31, 2011 to 13.03% as of December 31, 2012, resulting in a positive change of 0.08%.This indicates that the balance sheet and financial strength for Community Bank (PA) has held steady in recent periods.
Deposit Growth
In the past year, Community Bank (PA) has increased its total deposits by $20.39 million, resulting in 4.52% 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 (PA) has shown is above 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 (PA) has $546.46 million in assets with $49.25 million in equity, resulting in a capitalization level of 9.01%, which is average.

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Community Bank (PA)

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