THE COMMERCIAL BANK OF OZARK

THE COMMERCIAL BANK OF OZARK is headquartered in Ozark and is the 117^st largest bank in the state of Alabama. It is also the 5,600^th largest bank in the nation. It was established in 1959 and as of March of 2012, it had grown to 33 employees at 3 locations. THE COMMERCIAL BANK OF OZARK has a 4-star health rating.

THE COMMERCIAL BANK OF OZARK Routing Number: 062106120

Data for Q1 2012

Institution Statistics THE COMMERCIAL BANK OF OZARK FDIC Certificate # 17975 BankRate Report View Year Established 1959 Employees 33 Primary Regulator FDIC Assets and Liabilities Assets $75.97 million Loans $42.01 million Deposits $67.91 million Equity Capital $6.81 million Loan Loss Allowance $708,000 Unbacked Noncurrent Loans $973,000 Real Estate Owned $344,000 Historic Data - March 2011 Assets $73.49 million Equity Capital $6.21 million Loan Loss Allowance $739,000 Unbacked Noncurrent Loans $918,000 Real Estate Owned $620,000 Profit Margin - Quarterly Net Interest Margin 4.44% Return on Assets 0.71% Return on Equity 8% Interest Income $842,000

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 THE COMMERCIAL BANK OF OZARK had $1.32 million in non-current loans and owned real-estate with $7.52 million in equity and loan loss allowances on hand to cover it. This gives THE COMMERCIAL BANK OF OZARK a Texas Ratio of 17.52% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for THE COMMERCIAL BANK OF OZARK decreased slightly from 22.14% as of March 31, 2011 to 17.52% as of March 31, 2012, resulting in a positive change of 20.87%.This indicates that the balance sheet and financial strength for THE COMMERCIAL BANK OF OZARK has improved slightly in recent periods. Deposit Growth In the past year, THE COMMERCIAL BANK OF OZARK has increased its total deposits by $1.79 million, resulting in 2.71% 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 THE COMMERCIAL BANK OF OZARK has shown is above 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. THE COMMERCIAL BANK OF OZARK has $75.97 million in assets with $7.52 million in equity, resulting in a capitalization level of 9.89%, which is average.

No reviews have been left for this bank yet. Be the first to review.