The Community's Bank

The Community's Bank is headquartered in Bridgeport and is the 53^rd largest bank in the state of Connecticut. It is also the 6,853^rd largest bank in the nation. It was established in 2001 and as of March of 2012, it had grown to 14 employees at 2 locations. The Community's Bank has a 2-star health rating.

The Community's Bank Routing Number: 021113581

The Community's Bank Checking Account Rates

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The Community's Bank CD Rates

Data for Q1 2012

Institution Statistics The Community's Bank FDIC Certificate # 57041 BankRate Report View Year Established 2001 Employees 14 Primary Regulator FDIC Assets and Liabilities Assets $33.60 million Loans $18.27 million Deposits $27.42 million Equity Capital $3.34 million Loan Loss Allowance $304,000 Unbacked Noncurrent Loans $1.64 million Real Estate Owned $510,000 Historic Data - March 2011 Assets $40.30 million Equity Capital $3.75 million Loan Loss Allowance $397,000 Unbacked Noncurrent Loans $2.01 million Real Estate Owned $510,000 Profit Margin - Quarterly Net Interest Margin 4.45% Return on Assets -1.62% Return on Equity -16.53% Interest Income $439,000

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 The Community's Bank had $2.15 million in non-current loans and owned real-estate with $3.64 million in equity and loan loss allowances on hand to cover it. This gives The Community's Bank a Texas Ratio of 59.02% 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 Community's Bank held steady from 60.87% as of March 31, 2011 to 59.02% as of March 31, 2012, resulting in a positive change of 3.04%.This indicates that the balance sheet and financial strength for The Community's Bank has held steady in recent periods. Deposit Growth In the past year, The Community's Bank has decreased its total deposits by -$4.34 million, resulting in -13.65% 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's 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's Bank has $33.6 million in assets with $3.64 million in equity, resulting in a capitalization level of 10.84%, which is above average.

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