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

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
    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
  • 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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