Institution Statistics
| Communityone Bank, National Association | | FDIC Certificate # | 4879 | | BankRate Report | View | | Year Established | 1907 | | Employees | 439 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $1.64 billion | | Loans | $872.66 million | | Deposits | $1.57 billion | | Equity Capital | ($72,142,000) | | Loan Loss Allowance | $44.12 million | | Unbacked Noncurrent Loans | $144.84 million | | Real Estate Owned | $96.10 million |
Historic Data - September 2010 | | Assets | $2.01 billion | | Equity Capital | $70.65 million | | Loan Loss Allowance | $66.07 million | | Unbacked Noncurrent Loans | $291.25 million | | Real Estate Owned | $48.77 million |
Profit Margin - Quarterly | | Net Interest Margin | 2.32% | | Return on Assets | -7.74% | | Return on Equity | 461.06% | | Interest Income | $44.08 million |
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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 CommunityOne Bank had $240.94 million in non-current loans and owned real-estate with -$28.02 million in equity and loan loss allowances on hand to cover it. This gives CommunityOne Bank a Texas Ratio of (infinite)% 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 CommunityOne Bank decreased significantly from 248.84% as of September 30, 2010 to (infinite) as of September 30, 2011, resulting in a negative change of (infinite). This indicates that the balance sheet and financial strength for CommunityOne Bank has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, CommunityOne Bank has decreased its total deposits by -$205.45 million, resulting in -11.6% 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 CommunityOne Bank has shown is poor. | | 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. CommunityOne Bank has $1.64 billion in assets with -$28.02 million in equity, resulting in a capitalization level of -1.71%, which is poor. |
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