Community Bank (TN)

19 Natchez Trace Drive
Lexington, TN 38351
(731) 968-6624
www.community-bank.net

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Community Bank (TN) is headquartered in Lexington and is the 152^nd largest bank in the state of Tennessee. It is also the 4,715^st largest bank in the nation. It was established in 1961 and as of March of 2012, it had grown to 35 employees at 3 locations. Community Bank (TN) has a 5-star health rating.

Community Bank (TN) RCA 3.10%APY $30K Cap MUST OPEN IN PERSON (Forum) - 5/14/2012

The account must be opened in person. Requirements: Debit Card is used 10 Times during the qualification cycle One automatic deposit or withdrawal during the qualification cycle Internet Banking accessed at least once during the cycle Estatemen

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

Community Bank (TN) Checking Account Rates

Apy	Min	Max	Product
3.10%	-	$20k	Community Advantage - Qualifying
0.50%	$10k	-	Community Interest Checking
0.25%	-	-	Community Advantage - Non Qualifying

Community Bank (TN) Savings Account Rates

Apy	Min	Max	Product
0.30%	-	-	Community Super Savings
0.20%	-	-	Community Regular Savings

Community Bank (TN) Money Market Rates

	Apy	Min	Max	Product
	1.15%	$250k	-	Community Money Market

Community Bank (TN) CD Rates

Apy	Min	Max	Product
1.50%	$500	-	4 Year CD
1.35%	$500	-	3 Year CD
1.05%	$500	-	24 Month CD
0.85%	$500	-	15 Month CD
0.85%	$500	-	18 Month CD
0.80%	$500	-	1 Year CD
0.60%	$500	-	6 Month CD
0.40%	$500	-	3 Month CD
0.10%	$500	-	1 Month CD

Community Bank (TN) IRA Rates

Apy	Min	Max	Product
1.50%	$500	-	48 Month IRA
1.35%	$500	-	36 Month IRA
1.05%	$500	-	24 Month IRA
0.85%	$500	-	18 Month IRA
0.80%	$500	-	12 Month IRA
0.60%	$500	-	6 Month IRA

Rates updated: 5/24/2012

Data for Q1 2012

Institution Statistics

Community Bank
FDIC Certificate #	31272
BankRate Report	View
Year Established	1961
Employees	35
Primary Regulator	FED
Assets and Liabilities
Assets	$109.98 million
Loans	$77.40 million
Deposits	$91.69 million
Equity Capital	$10.51 million
Loan Loss Allowance	$865,000
Unbacked Noncurrent Loans	$687,000
Historic Data - March 2011
Assets	$104.60 million
Equity Capital	$8.88 million
Loan Loss Allowance	$761,000
Unbacked Noncurrent Loans	$20,000
Profit Margin - Quarterly
Net Interest Margin	4.08%
Return on Assets	1.08%
Return on Equity	11.35%
Interest Income	$1.35 million

Institution Health

Overall Score:

5 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 (TN) had $687,000 in non-current loans and owned real-estate with $11.37 million in equity and loan loss allowances on hand to cover it. This gives Community Bank (TN) a Texas Ratio of 6.04% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Community Bank (TN) increased slightly from 0.21% as of March 31, 2011 to 6.04% as of March 31, 2012, resulting in a negative change of 2,810.12%. This indicates that the balance sheet and financial strength for Community Bank (TN) has declined slightly in recent periods.
Deposit Growth
In the past year, Community Bank (TN) has increased its total deposits by $3.48 million, resulting in 3.94% 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 (TN) 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 (TN) has $109.98 million in assets with $11.37 million in equity, resulting in a capitalization level of 10.34%, which is above average.