Community Bank in Ellisville, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches


Community Bank - Overview

  • General
  • FDIC Certificate #: 11444
    Status: Active
    Federal Reserve ID: 517834
    Bank Holding Company (Regulatory Top Holder): Community Bancshares Of Mississippi, Inc. Employee Stock Ownership Plan (RSSDID: 2313544, Location: Brandon, MS)
    Date Established: October 01, 1902
    WWW: http://www.communitybank.net
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 11 (Domestic: 11, Interstate: No)
    OTS Docket #: 13836
    FDIC's unique #: 7307
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: July 07, 2008
    Last Structure Change Process Date: July 15, 2008
    Last Data Update: July 15, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 300 Jessamine Street, Ellisville, MS 39437
    County: Jones
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Jackson Ms
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Laurel, MS (#29860)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $630.6 mil
    Equity capital: $58.4 mil
    Deposits held in domestic offices: $562.6 mil
    Return on assets (ROA): 1.14% ($7.2 mil)
    Quarterly return on assets: 1.04% ($6.6 mil)
    Return on Equity (ROE): 12.29% ($7.1 mil)
    Quarterly return on equity: 11.16% ($6.5 mil)
    Net income: $7.1 mil
    Quarterly Net income: $1.6 mil
    Pretax return on assets: 1.79% ($11,288.2 mil)
    Quarterly Pretax return on assets: 1.63% ($10,279.2 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 130Total employees (full-time equivalent)
  • $630,628Total assets
  • $49,318Cash and due from depository institutions
  • $35,004Interest-bearing balances
  • $69,338Securities
  • $5,000Federal funds sold & reverse repurchase agreements
  • $460,510Net loans & leases
  • $6,083Loan loss allowance
  • $0Trading account assets
  • $13,417Bank premises and fixed assets
  • $15,556Other real estate owned
  • $346Goodwill and other intangibles
  • $630,628Life insurance assets
  • $17,143All other assets
  • $572,223Total liabilities and capital
  • $562,559Total liabilities
  • $514,741Total deposits
  • $562,559Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 62.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,391Trading liabilities
  • $0Other borrowed funds
  • $2,211Subordinated debt
  • $58,405All other liabilities
  • $58,405Total equity capital
  • $58,405Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $22,166Surplus
  • $35,839Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,304Income earned, not collected on loans
  • $491Earning assets
  • $2,505Long-term assets (5+ years)
  • $569,852Average Assets, year-to-date
  • $64,837Average Assets, quarterly
  • $627,193Volatile liabilities
  • $626,017Insider loans
  • $412,366FHLB advances
  • $613,523Loans and leases held for sale
  • $3,178Unused loan commitments
  • $3,178Tier 1 (core) risk-based capital
  • $57,874Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $22,817Restructured Loans and leases
  • $15,383Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $29,788Total interest income
  • $4,885Total interest expense
  • $24,903Net interest income
  • $995Provision for loan and lease losses
  • $4,693Total noninterest income
  • $0Fiduciary activities
  • $3,038Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,655Additional noninterest income
  • $17,726Total noninterest expense
  • $7,046Salaries and employee benefits
  • $1,419Premises and equipment expense
  • $9,261Additional noninterest expense
  • $10,875Pre-tax net operating income
  • $360Securities gains (losses)
  • $4,100Applicable income taxes
  • $7,135Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,135Net income attributable to bank
  • $0Net charge-offs
  • $7,135Cash dividends
  • $1,840Sale, conversion, retirement of capital stock, net
  • $5,200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.24%Yield on earning assets
  • 0.86%Cost of funding earning assets
  • 4.38%Net interest margin
  • 0.82%Noninterest income to earning assets
  • 3.12%Noninterest expense to earning assets
  • 1.10%Net operating income to assets
  • 1.14%Return on assets (ROA)
  • 1.79%Pretax return on assets
  • 12.29%Return on equity (ROE)
  • 3.33%Retained earnings to average equity (YTD only)
  • 0.39%Net charge-offs to loans
  • 54.08%Credit loss provision to net charge-offs
  • 6.45%Efficiency ratio
  • 59,893Assets per employee
  • 4.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 72.88%Loss allowance to loans
  • 1.30%Loss allowance to noncurrent loans
  • 73.25%Noncurrent assets plus other real estate owned to assets
  • 3.78%Noncurrent loans to loans
  • 1.78%Net loans and leases to deposits
  • 81.86%Net loans and leases to core deposits
  • 89.65%Equity capital to assets
  • 9.26%Core capital (leverage) ratio
  • 9.43%Tier 1 risk-based capital ratio
  • 14.03%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $627,193Average earning assets
  • $58,059Average equity
  • $569,000Average loans

List of branches

  • 11 Mississippi Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07307Community Bank300 Jessamine Street, Ellisville, MS 39437October 01, 1902Full Service Brick and Mortar
    1224639Sandersville BranchU.S. Highway 11, Sandersville, MS 39477October 14, 1970Full Service Brick and Mortar
    2224640Drive-In Branch804 Main Street, Ellisville, MS 39437April 11, 1979Limited Service Facility
    3224641Laurel BranchNinth Street And Highway 15 Bypass, Laurel, MS 39440May 21, 1979Full Service Brick and Mortar
    4224642Hardy Street Branch5010 Hardy Street, Hattiesburg, MS 39402August 07, 1995Full Service Brick and Mortar
    5224643Calhoun Branch5159 Highway 84 West, Laurel, MS 39440Febuary 08, 1999Full Service Brick and Mortar
    6334348Hattiesburg Messenger Branch3707 Hardy Street, Hattiesburg, MS 39402March 10, 2000Limited Service Messenger
    7432419Highway 49, Hattiesburg Branch6095 Highway 49 South, Hattiesburg, MS 39401October 12, 2004Full Service Brick and Mortar
    8429318North Meridian Branch5012 Highway 39 North, Meridian, MS 39301June 28, 2004Full Service Brick and Mortar
    9478295Community Bank Meridian Main Office302 22nd Avenue, Meridian, MS 39301July 07, 2008Full Service Brick and Mortar
    10482373Pine Tree Branch2157 Highway 15 North, Laurel, MS 39440November 17, 2008Full Service Brick and Mortar

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