The Community Bank

The Community Bank is headquartered in Brockton and is the 84^th largest bank in the state of Massachusetts. It is also the 1,993^rd largest bank in the nation. It was established in 1878 and as of September of 2011, it had grown to 70 employees at 5 locations. The Community Bank's money market rates are 14% higher than the national average, but it has a 1-star health rating.

The Community Bank Routing Number: 211371476

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Data for Q3 2011

Institution Statistics The Community Bank, A Massachusetts Cooperative Bank FDIC Certificate # 26396 BankRate Report View Year Established 1878 Employees 70 Primary Regulator FDIC Assets and Liabilities Assets $326.33 million Loans $229.99 million Deposits $284.77 million Equity Capital $19.33 million Loan Loss Allowance $4.64 million Unbacked Noncurrent Loans $22.77 million Real Estate Owned $4.12 million Historic Data - September 2010 Assets $342.37 million Equity Capital $22.64 million Loan Loss Allowance $5.13 million Unbacked Noncurrent Loans $9.98 million Real Estate Owned $4.01 million Profit Margin - Quarterly Net Interest Margin 3.74% Return on Assets -1.25% Return on Equity -19.61% Interest Income $10.60 million

Institution Health Overall Score: 1 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 The Community Bank had $26.88 million in non-current loans and owned real-estate with $23.98 million in equity and loan loss allowances on hand to cover it. This gives The Community Bank a Texas Ratio of 112.11% 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 The Community Bank increased slightly from 49.29% as of September 30, 2010 to 112.11% as of September 30, 2011, resulting in a negative change of 127.45%. This indicates that the balance sheet and financial strength for The Community Bank has declined slightly in recent periods. Deposit Growth In the past year, The Community Bank has decreased its total deposits by -$32.63 million, resulting in -10.28% 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 Community 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 Community Bank has $326.33 million in assets with $23.98 million in equity, resulting in a capitalization level of 7.35%, which is below average.

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