Community Bank & Trust, Waco, Texas

Community Bank & Trust, Waco, Texas is headquartered in Waco and is the 125^th largest bank in the state of Texas. It is also the 1,655^th largest bank in the nation. It was established in 1952 and as of March of 2012, it had grown to 100 employees at 3 locations. Community Bank & Trust, Waco, Texas has a 5-star health rating.

Data for Q1 2012

Institution Statistics Community Bank & Trust, Waco, Texas FDIC Certificate # 17108 BankRate Report View Year Established 1952 Employees 100 Primary Regulator FDIC Assets and Liabilities Assets $402.45 million Loans $287.86 million Deposits $356.33 million Equity Capital $45.34 million Loan Loss Allowance $5.09 million Unbacked Noncurrent Loans $395,000 Real Estate Owned $325,000 Historic Data - March 2011 Assets $393.02 million Equity Capital $41.24 million Loan Loss Allowance $4.65 million Unbacked Noncurrent Loans $491,000 Real Estate Owned $450,000 Profit Margin - Quarterly Net Interest Margin 4.13% Return on Assets 1.07% Return on Equity 9.6% Interest Income $4.97 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 & Trust, Waco, Texas had $720,000 in non-current loans and owned real-estate with $50.43 million in equity and loan loss allowances on hand to cover it. This gives Community Bank & Trust, Waco, Texas a Texas Ratio of 1.43% 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 & Trust, Waco, Texas decreased slightly from 2.05% as of March 31, 2011 to 1.43% as of March 31, 2012, resulting in a positive change of 30.38%.This indicates that the balance sheet and financial strength for Community Bank & Trust, Waco, Texas has improved slightly in recent periods. Deposit Growth In the past year, Community Bank & Trust, Waco, Texas has increased its total deposits by $5.52 million, resulting in 1.57% 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 & Trust, Waco, Texas 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 & Trust, Waco, Texas has $402.45 million in assets with $50.43 million in equity, resulting in a capitalization level of 12.53%, which is excellent.

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