FDIC Certificate #: 1687 Status: Active Federal Reserve ID: 276953 Date Established: January 01, 1914 WWW:http://www.commbank@gwtc.net Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 1110 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: May 27, 2010 Last Structure Change Process Date: May 27, 2010 Last Data Update: May 27, 2010 Data Source Date: April 05, 2012
Location
Address: 118 N Main St, Avon, SD 57315 County: Bon Homme Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Sioux Falls Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West
History of Changes
Change in Location
Financial Summary
Total assets: $45.9 mil Equity capital: $8.0 mil Deposits held in domestic offices: $37.0 mil Return on assets (ROA): 1.03% ($0.5 mil) Quarterly return on assets: 0.73% ($0.3 mil) Return on Equity (ROE): 6.18% ($0.5 mil) Quarterly return on equity: 4.28% ($0.3 mil) Net income: $0.5 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.26% ($578.1 mil) Quarterly Pretax return on assets: 0.83% ($380.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$45,877Total assets
$1,767Cash and due from depository institutions
$999Interest-bearing balances
$28,203Securities
$0Federal funds sold & reverse repurchase agreements
$14,746Net loans & leases
$173Loan loss allowance
$0Trading account assets
$162Bank premises and fixed assets
$40Other real estate owned
$0Goodwill and other intangibles
$45,877Life insurance assets
$959All other assets
$37,841Total liabilities and capital
$36,974Total liabilities
$29,424Total deposits
$36,974Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$60Trading liabilities
$0Other borrowed funds
$807Subordinated debt
$8,036All other liabilities
$8,036Total equity capital
$8,036Total bank equity capital
$0Perpetual preferred stock
$75Common stock
$925Surplus
$7,036Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$79Income earned, not collected on loans
$0Earning assets
$609Long-term assets (5+ years)
$43,948Average Assets, year-to-date
$19,994Average Assets, quarterly
$44,158Volatile liabilities
$46,406Insider loans
$20,185FHLB advances
$45,621Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,139Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$541Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,875Total interest income
$302Total interest expense
$1,573Net interest income
$0Provision for loan and lease losses
$13Total noninterest income
$0Fiduciary activities
$9Service charges on deposit accounts
$0Trading account gains & fees
$4Additional noninterest income
$1,032Total noninterest expense
$637Salaries and employee benefits
$62Premises and equipment expense
$333Additional noninterest expense
$554Pre-tax net operating income
$2Securities gains (losses)
$99Applicable income taxes
$457Income before extraordinary items
$0Extraordinary gains - net
$457Net income attributable to bank
$0Net charge-offs
$457Cash dividends
$38Sale, conversion, retirement of capital stock, net
$60Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.43%Yield on earning assets
0.71%Cost of funding earning assets
3.72%Net interest margin
0.03%Noninterest income to earning assets
2.44%Noninterest expense to earning assets
1.03%Net operating income to assets
1.03%Return on assets (ROA)
1.26%Pretax return on assets
6.18%Return on equity (ROE)
5.37%Retained earnings to average equity (YTD only)
0.26%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
14.58%Efficiency ratio
65,069Assets per employee
5.10%Cash dividends to net income (YTD only)
Condition Ratios (%)
13.13%Loss allowance to loans
1.16%Loss allowance to noncurrent loans
218.99%Noncurrent assets plus other real estate owned to assets
0.26%Noncurrent loans to loans
0.53%Net loans and leases to deposits
39.88%Net loans and leases to core deposits
41.68%Equity capital to assets
17.52%Core capital (leverage) ratio
15.65%Tier 1 risk-based capital ratio
35.37%Total risk-based capital ratio
Memoranda
$36Average assets
$44,158Average earning assets
$7,391Average equity
$42,281Average loans
List of branches
1 South Dakota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
1110
Community Bank
118 N Main St, Avon, SD 57315
January 01, 1914
Full Service Brick and Mortar
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