South Carolina Community Bank

South Carolina Community Bank is headquartered in Columbia and is the 63^rd largest bank in the state of South Carolina. It is also the 5,306^th largest bank in the nation. It was established in 1999 and as of March of 2012, it had grown to 37 employees at 5 locations. South Carolina Community Bank has a 2-star health rating.

South Carolina Community Bank Routing Number: 053905877

Data for Q1 2012

Institution Statistics South Carolina Community Bank FDIC Certificate # 35241 BankRate Report View Year Established 1999 Employees 37 Primary Regulator FDIC Assets and Liabilities Assets $86.68 million Loans $51.59 million Deposits $83.34 million Equity Capital $2.98 million Loan Loss Allowance $2.48 million Unbacked Noncurrent Loans $5.26 million Real Estate Owned $4.14 million Historic Data - March 2011 Assets $77.50 million Equity Capital $4.72 million Loan Loss Allowance $2.16 million Unbacked Noncurrent Loans $6.97 million Real Estate Owned $2.91 million Profit Margin - Quarterly Net Interest Margin 4% Return on Assets -0.91% Return on Equity -25.11% Interest Income $922,000

Institution Health Overall Score: 2 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 South Carolina Community Bank had $9.4 million in non-current loans and owned real-estate with $5.46 million in equity and loan loss allowances on hand to cover it. This gives South Carolina Community Bank a Texas Ratio of 172.14% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for South Carolina Community Bank increased slightly from 130.48% as of March 31, 2011 to 172.14% as of March 31, 2012, resulting in a negative change of 31.93%. This indicates that the balance sheet and financial strength for South Carolina Community Bank has declined slightly in recent periods. Deposit Growth In the past year, South Carolina Community Bank has increased its total deposits by $11.07 million, resulting in 15.32% 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 South Carolina 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. South Carolina Community Bank has $86.68 million in assets with $5.46 million in equity, resulting in a capitalization level of 6.30%, which is below average.

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