Community National Bank

Community National Bank is headquartered in Derby and is the 4^th largest bank in the state of Vermont. It is also the 1,221^st largest bank in the nation. It was established in 1851 and as of September of 2011, it had grown to 144 employees at 15 locations. Community National Bank has a 4-star health rating.

Community National Bank Routing Number: 011601029

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Data for Q3 2011

Institution Statistics Community National Bank FDIC Certificate # 6271 BankRate Report View Year Established 1851 Employees 144 Primary Regulator OCC Assets and Liabilities Assets $550.01 million Loans $387.10 million Deposits $451.69 million Equity Capital $52.55 million Loan Loss Allowance $3.84 million Unbacked Noncurrent Loans $7.11 million Historic Data - September 2010 Assets $526.18 million Equity Capital $50.17 million Loan Loss Allowance $3.71 million Unbacked Noncurrent Loans $4.29 million Real Estate Owned $1.07 million Profit Margin - Quarterly Net Interest Margin 3.77% Return on Assets 0.81% Return on Equity 8.35% Interest Income $17.08 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 September 30, 2011 Community National Bank had $7.11 million in non-current loans and owned real-estate with $56.39 million in equity and loan loss allowances on hand to cover it. This gives Community National Bank a Texas Ratio of 12.61% 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 National Bank held steady from 10.11% as of September 30, 2010 to 12.61% as of September 30, 2011, resulting in a negative change of 24.74%. This indicates that the balance sheet and financial strength for Community National Bank has held steady in recent periods. Deposit Growth In the past year, Community National Bank has increased its total deposits by $31.57 million, resulting in 7.51% 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 National Bank has shown is excellent. 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 National Bank has $550.01 million in assets with $56.39 million in equity, resulting in a capitalization level of 10.25%, which is above average.

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