The Commercial Bank

The Commercial Bank is headquartered in Crawford and is the 181^st largest bank in the state of Georgia. It is also the 5,097^th largest bank in the nation. It was established in 1924 and as of March of 2012, it had grown to 26 employees at 2 locations. The Commercial Bank has a 3-star health rating.

The Commercial Bank Routing Number: 061110654

Data for Q1 2012

Institution Statistics The Commercial Bank FDIC Certificate # 175 BankRate Report View Year Established 1924 Employees 26 Primary Regulator FDIC Assets and Liabilities Assets $94.52 million Loans $40.31 million Deposits $84.47 million Equity Capital $9.70 million Loan Loss Allowance $2.03 million Unbacked Noncurrent Loans $3.17 million Real Estate Owned $1.42 million Historic Data - March 2011 Assets $100.61 million Equity Capital $9.32 million Loan Loss Allowance $1.64 million Unbacked Noncurrent Loans $4.10 million Real Estate Owned $2.76 million Profit Margin - Quarterly Net Interest Margin 3.7% Return on Assets 0.86% Return on Equity 8.74% Interest Income $1.01 million

Institution Health Overall Score: 3 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 had $4.59 million in non-current loans and owned real-estate with $11.73 million in equity and loan loss allowances on hand to cover it. This gives The Commercial Bank a Texas Ratio of 39.14% which is below 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 decreased slightly from 62.56% as of March 31, 2011 to 39.14% as of March 31, 2012, resulting in a positive change of 37.43%.This indicates that the balance sheet and financial strength for The Commercial Bank has improved slightly in recent periods. Deposit Growth In the past year, The Commercial Bank has decreased its total deposits by -$6.45 million, resulting in -7.09% 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 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. The Commercial Bank has $94.52 million in assets with $11.73 million in equity, resulting in a capitalization level of 12.41%, which is excellent.

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