Dedicated Community Bank

Dedicated Community Bank is headquartered in Darlington and is the 72^nd largest bank in the state of South Carolina. It is also the 6,446^th largest bank in the nation. It was established in 1986 and as of March of 2012, it had grown to 15 employees at 1 location. Dedicated Community Bank has a 4-star health rating.

Dedicated Community Bank Routing Number: 053201856

Data for Q1 2012

Institution Statistics Dedicated Community Bank FDIC Certificate # 26588 BankRate Report View Year Established 1986 Employees 15 Primary Regulator FDIC Assets and Liabilities Assets $47.57 million Loans $21.85 million Deposits $42.15 million Equity Capital $5.39 million Loan Loss Allowance $273,000 Unbacked Noncurrent Loans $481,000 Real Estate Owned $337,000 Historic Data - March 2011 Assets $41.57 million Equity Capital $5.25 million Loan Loss Allowance $239,000 Unbacked Noncurrent Loans $443,000 Real Estate Owned $113,000 Profit Margin - Quarterly Net Interest Margin 3.91% Return on Assets 0.25% Return on Equity 2.07% Interest Income $441,000

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 March 31, 2012 Dedicated Community Bank had $818,000 in non-current loans and owned real-estate with $5.66 million in equity and loan loss allowances on hand to cover it. This gives Dedicated Community Bank a Texas Ratio of 14.45% 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 Dedicated Community Bank held steady from 10.13% as of March 31, 2011 to 14.45% as of March 31, 2012, resulting in a negative change of 42.73%. This indicates that the balance sheet and financial strength for Dedicated Community Bank has held steady in recent periods. Deposit Growth In the past year, Dedicated Community Bank has increased its total deposits by $5.85 million, resulting in 16.13% 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 Dedicated Community 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. Dedicated Community Bank has $47.57 million in assets with $5.66 million in equity, resulting in a capitalization level of 11.90%, which is above average.

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