TCFC

The Community Financial Corporation is a bank holding company. The Company owns a commercial bank, Community Bank of the Chesapeake (the Bank). Its segments include Lending Activities, Investment Activities, Sources of Funds and Subsidiary Activities. The Bank operates over 15 automated teller machines, including approximately four stand-alone locations. The Bank offers telephone and Internet banking services. The Bank is engaged in the commercial and retail banking business, including the acceptance of deposits and the origination of loans to individuals, associations, partnerships and corporations. The Bank's real estate financing consists of commercial mortgage loans, residential first and second mortgage loans, and home equity lines of credit. Its commercial lending consists of both secured and unsecured loans. It uses both traditional brokered deposits and reciprocal brokered deposits. The Company's subsidiaries include Tri-County Capital Trust I and Tri-County Capital Trust II.