Community Bank in city_name, state_name - Detailed Financial Reports, Location

Community Bank in Noblesville, Indiana (IN)
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Community Bank - Overview

General
FDIC 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
WWW: http://www.cbindianaonline.com
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
Location
Address: 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 Summary
Total 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
70Total employees (full-time equivalent)
$256,541Total assets
$19,534Cash and due from depository institutions
$6,190Interest-bearing balances
$43,887Securities
$2,636Federal funds sold & reverse repurchase agreements
$168,891Net loans & leases
$3,482Loan loss allowance
$0Trading account assets
$3,784Bank premises and fixed assets
$15,727Other real estate owned
$0Goodwill and other intangibles
$256,541Life insurance assets
$2,082All other assets
$223,800Total liabilities and capital
$221,384Total liabilities
$161,258Total deposits
$221,384Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,745Trading liabilities
$0Other borrowed funds
$671Subordinated debt
$32,741All other liabilities
$32,741Total equity capital
$32,741Total bank equity capital
$0Perpetual preferred stock
$120Common stock
$7,000Surplus
$25,621Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$12,108Income earned, not collected on loans
$0Earning assets
$762Long-term assets (5+ years)
$221,604Average Assets, year-to-date
$35,280Average Assets, quarterly
$250,343Volatile liabilities
$251,840Insider loans
$187,784FHLB advances
$256,141Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$32,578Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$21,840Restructured Loans and leases
$2,217Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$10,006Total interest income
$1,218Total interest expense
$8,788Net interest income
$2,147Provision for loan and lease losses
$2,098Total noninterest income
$184Fiduciary activities
$508Service charges on deposit accounts
$0Trading account gains & fees
$1,406Additional noninterest income
$7,074Total noninterest expense
$3,562Salaries and employee benefits
$762Premises and equipment expense
$2,750Additional noninterest expense
$1,665Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,665Income before extraordinary items
$0Extraordinary gains - net
$1,665Net income attributable to bank
$0Net charge-offs
$1,665Cash dividends
$1,323Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.53%Yield on earning assets
0.55%Cost of funding earning assets
3.98%Net interest margin
0.95%Noninterest income to earning assets
3.20%Noninterest expense to earning assets
0.67%Net operating income to assets
0.67%Return on assets (ROA)
0.67%Pretax return on assets
5.21%Return on equity (ROE)
5.21%Retained earnings to average equity (YTD only)
0.74%Net charge-offs to loans
162.28%Credit loss provision to net charge-offs
2.88%Efficiency ratio
64,983Assets per employee
3.66%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.02%Loss allowance to noncurrent loans
28.76%Noncurrent assets plus other real estate owned to assets
10.85%Noncurrent loans to loans
7.02%Net loans and leases to deposits
76.29%Net loans and leases to core deposits
77.56%Equity capital to assets
12.76%Core capital (leverage) ratio
12.72%Tier 1 risk-based capital ratio
17.35%Total risk-based capital ratio
Memoranda
$19Average assets
$250,343Average earning assets
$31,964Average equity
$220,800Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$24,666Managed Assets
1Number of Accounts
$4,683Personal trust and agency accounts
$3,529Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$1,154Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
284Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$19,983Other retirement accounts
$1Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

11 Indiana Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	8313	Community Bank	830 Logan Street, Noblesville, IN 46060	January 01, 1913	Full Service Brick and Mortar
1	229207	Summitville Branch	101 South Main Street, Summitville, IN 46070	April 18, 1991	Full Service Brick and Mortar
2	281257	Lapel Branch	825 Main Street, Lapel, IN 46051	June 30, 1988	Full Service Brick and Mortar
4	229209	Cicero Branch	1100 South Peru Street, Cicero, IN 46034	May 27, 1993	Full Service Brick and Mortar
6	229211	North 10th Street Branch	239 North 10th Street, Noblesville, IN 46060	June 10, 1994	Full Service Brick and Mortar
7	229212	Westfield Branch	144 West Main Street, Westfield, IN 46074	March 20, 1997	Full Service Brick and Mortar
8	229213	Westside	651 Westfield Rd, Noblesville, IN 46060	October 18, 1997	Full Service Brick and Mortar
9	229214	Alexandria Branch	1202 North Park Avenue, Alexandria, IN 46001	October 14, 1997	Full Service Brick and Mortar
10	419840	Fishers Branch	12514 Reynolds Dr, Fishers, IN 46038	September 30, 2002	Full Service Brick and Mortar
11	444957	Noble Creek Branch	400 Noble Creek Drive, Noblesville, IN 46060	September 19, 2005	Full Service Brick and Mortar
12	470817	South 10th Street Branch	1007 South 10th Street, Noblesville, IN 46060	Febuary 04, 2008	Full Service Brick and Mortar

Community Bank in Noblesville, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Community Bank in Noblesville, Indiana (IN)Overview, Financial Summary, Detailed Financial Reports, Branches

Community Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Community Bank in Noblesville, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches