Community Bank & Trust

Community Bank & Trust is headquartered in Ashland City and is the 85^th largest bank in the state of Tennessee. It is also the 2,872^nd largest bank in the nation. It was established in 1999 and as of March of 2012, it had grown to 56 employees at 5 locations. Community Bank & Trust has a 3-star health rating.

Community Bank & Trust Routing Number: 064108524

Data for Q1 2012

Institution Statistics Community Bank & Trust FDIC Certificate # 35258 BankRate Report View Year Established 1999 Employees 56 Primary Regulator FDIC Assets and Liabilities Assets $221.91 million Loans $131.93 million Deposits $186.00 million Equity Capital $21.42 million Loan Loss Allowance $3.39 million Unbacked Noncurrent Loans $10.08 million Real Estate Owned $2.32 million Historic Data - March 2011 Assets $218.50 million Equity Capital $22.19 million Loan Loss Allowance $2.96 million Unbacked Noncurrent Loans $3.00 million Real Estate Owned $2.95 million Profit Margin - Quarterly Net Interest Margin 4.1% Return on Assets 0.14% Return on Equity 1.42% Interest Income $2.42 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 & Trust had $12.39 million in non-current loans and owned real-estate with $24.8 million in equity and loan loss allowances on hand to cover it. This gives Community Bank & Trust a Texas Ratio of 49.96% 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 & Trust increased slightly from 23.67% as of March 31, 2011 to 49.96% as of March 31, 2012, resulting in a negative change of 111.11%. This indicates that the balance sheet and financial strength for Community Bank & Trust has declined slightly in recent periods. Deposit Growth In the past year, Community Bank & Trust has increased its total deposits by $3.33 million, resulting in 1.82% 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 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 has $221.91 million in assets with $24.8 million in equity, resulting in a capitalization level of 11.18%, which is above average.

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