Institution Statistics
| Community Business Bank | | FDIC Certificate # | 58624 | | BankRate Report | View | | Year Established | 2008 | | Employees | 12 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $110.12 million | | Loans | $64.83 million | | Deposits | $89.41 million | | Equity Capital | $16.67 million | | Loan Loss Allowance | $1.23 million |
Historic Data - March 2011 | | Assets | $108.12 million | | Equity Capital | $15.61 million | | Loan Loss Allowance | $782,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.44% | | Return on Assets | 1.06% | | Return on Equity | 7.03% | | Interest Income | $1.10 million |
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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 Business Bank (GA) had $0 in non-current loans and owned real-estate with $17.9 million in equity and loan loss allowances on hand to cover it. This gives Community Business Bank (GA) a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Community Business Bank (GA) has decreased its total deposits by $-133,000, resulting in -0.15% 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 Business Bank (GA) 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 Business Bank (GA) has $110.12 million in assets with $17.9 million in equity, resulting in a capitalization level of 16.26%, which is excellent. |
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