Community Bank in Noblesville, Indiana (IN)

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Community Bank
GeneralFDIC Certificate #: 13147
Status: Active
Federal Reserve ID: 70049
Bank Holding Company (Regulatory Top Holder): Community Bancshares, Inc. (RSSDID: 1889480, Location: Noblesville, IN)
Date Established: January 01, 1913
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 #: 10682
FDIC's unique #: 8313
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: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: January 01, 2010
Last Structure Change Process Date: January 13, 2010
Last Data Update: January 13, 2010
Data Source Date: April 05, 2012
LocationAddress: 830 Logan Street, Noblesville, IN 46060
County: Hamilton
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Indianapolis
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Indianapolis, IN (#3480)
Combined Statistical Area (CSA): Indianapolis-Anderson-Columbus, IN (#294)
Core Based Statistical Area (CBSA): Indianapolis-Carmel, IN (#26900)
CBSA Metro Statistical Area: Indianapolis-Carmel, IN (#26900)
Financial SummaryTotal assets: $256.5 mil
Equity capital: $32.7 mil
Deposits held in domestic offices: $221.4 mil
Return on assets (ROA): 0.67% ($1.7 mil)
Quarterly return on assets: -0.10% (-$0.3 mil)
Return on Equity (ROE): 5.21% ($1.7 mil)
Quarterly return on equity: -0.78% (-$0.3 mil)
Net income: $1.7 mil
Quarterly Net income: -$0.1 mil
Pretax return on assets: 0.67% ($1,718.8 mil)
Quarterly Pretax return on assets: -0.10% (-$256.5 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)
Total employees (full-time equivalent)70
Total assets$256,541
Cash and due from depository institutions$19,534
Interest-bearing balances$6,190
Federal funds sold & reverse repurchase agreements$2,636
Net loans & leases$168,891
Loan loss allowance $3,482
Trading account assets$0
Bank premises and fixed assets$3,784
Other real estate owned$15,727
Goodwill and other intangibles$0
All other assets$2,082
Life insurance assets$256,541
Total liabilities and capital$223,800
Total liabilities$221,384
Total deposits$161,258
Interest-bearing deposits$221,384
Deposits held in domestic offices$89
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$1,745
Other borrowed funds $0
Subordinated debt $671
All other liabilities $32,741
Total equity capital$32,741
Total bank equity capital$32,741
Perpetual preferred stock$0
Common stock$120
Undivided profits $25,621
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $12,108
Earning assets $0
Long-term assets (5+ years) $762
Average Assets, year-to-date $221,604
Average Assets, quarterly $35,280
Volatile liabilities $250,343
Insider loans $251,840
FHLB advances $187,784
Loans and leases held for sale $256,141
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $32,578
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $21,840
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,006
Total interest expense $1,218
Net interest income $8,788
Provision for loan and lease losses $2,147
Total noninterest income $2,098
Fiduciary activities $184
Service charges on deposit accounts $508
Trading account gains & fees $0
Additional noninterest income $1,406
Total noninterest expense $7,074
Salaries and employee benefits $3,562
Premises and equipment expense $762
Additional noninterest expense $2,750
Pre-tax net operating income $1,665
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $1,665
Extraordinary gains - net $0
Net income attributable to bank $1,665
Net charge-offs $0
Cash dividends $1,665
Sale, conversion, retirement of capital stock, net $1,323
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.53%
Cost of funding earning assets 0.55%
Net interest margin 3.98%
Noninterest income to earning assets 0.95%
Noninterest expense to earning assets 3.20%
Net operating income to assets 0.67%
Return on assets (ROA) 0.67%
Pretax return on assets 0.67%
Return on equity (ROE) 5.21%
Retained earnings to average equity (YTD only) 5.21%
Net charge-offs to loans 0.74%
Credit loss provision to net charge-offs 162.28%
Efficiency ratio2.88%
Assets per employee$64,983
Cash dividends to net income (YTD only)3.66%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.02%
Noncurrent assets plus other real estate owned to assets 28.76%
Noncurrent loans to loans 10.85%
Net loans and leases to deposits7.02%
Net loans and leases to core deposits 76.29%
Equity capital to assets 77.56%
Core capital (leverage) ratio 12.76%
Tier 1 risk-based capital ratio 12.72%
Total risk-based capital ratio 17.35%
Average assets$19
Average earning assets$250,343
Average equity $31,964
Average loans $220,800
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$24,666
Number of Accounts1
Personal trust and agency accounts$4,683
Employee benefit-defined contribution accounts$3,529
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$1,154
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts284
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$19,983
Corporate trust and agency accounts$1
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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11 Indiana Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
08313Community Bank830 Logan Street, Noblesville, IN 46060January 01, 1913Full Service Brick and Mortar
1229207Summitville Branch101 South Main Street, Summitville, IN 46070April 18, 1991Full Service Brick and Mortar
2281257Lapel Branch825 Main Street, Lapel, IN 46051June 30, 1988Full Service Brick and Mortar
4229209Cicero Branch1100 South Peru Street, Cicero, IN 46034May 27, 1993Full Service Brick and Mortar
6229211North 10th Street Branch239 North 10th Street, Noblesville, IN 46060June 10, 1994Full Service Brick and Mortar
7229212Westfield Branch144 West Main Street, Westfield, IN 46074March 20, 1997Full Service Brick and Mortar
8229213Westside651 Westfield Rd, Noblesville, IN 46060October 18, 1997Full Service Brick and Mortar
9229214Alexandria Branch1202 North Park Avenue, Alexandria, IN 46001October 14, 1997Full Service Brick and Mortar
10419840Fishers Branch12514 Reynolds Dr, Fishers, IN 46038September 30, 2002Full Service Brick and Mortar
11444957Noble Creek Branch400 Noble Creek Drive, Noblesville, IN 46060September 19, 2005Full Service Brick and Mortar
12470817South 10th Street Branch1007 South 10th Street, Noblesville, IN 46060Febuary 04, 2008Full Service Brick and Mortar
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