Community Bank in Joseph, Oregon (OR), WA
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Community Bank in Joseph, Oregon (OR), WA
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Community Bank - Overview

  • General
  • FDIC Certificate #: 17445
    Status: Active
    Federal Reserve ID: 779360
    Bank Holding Company (Regulatory Top Holder): Community Bancshares, Inc. (RSSDID: 2247612, Location: Joseph, OR)
    Date Established: June 01, 1955
    WWW: http://www.communitybanknet.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 16 (Domestic: 16, Interstate: Yes)
    OTS Docket #: 12176
    FDIC's unique #: 11437
    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: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: June 01, 1955
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 609 North Main Street, Joseph, OR 97846
    County: Wallowa
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Portland
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $360.5 mil
    Equity capital: $33.7 mil
    Deposits held in domestic offices: $317.3 mil
    Return on assets (ROA): 1.11% ($4.0 mil)
    Quarterly return on assets: 1.13% ($4.1 mil)
    Return on Equity (ROE): 12.10% ($4.1 mil)
    Quarterly return on equity: 12.18% ($4.1 mil)
    Net income: $4.0 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 1.11% ($4,002.0 mil)
    Quarterly Pretax return on assets: 1.13% ($4,074.1 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
  • 152Total employees (full-time equivalent)
  • $360,544Total assets
  • $16,271Cash and due from depository institutions
  • $7,490Interest-bearing balances
  • $73,254Securities
  • $12,555Federal funds sold & reverse repurchase agreements
  • $231,984Net loans & leases
  • $4,042Loan loss allowance
  • $0Trading account assets
  • $14,920Bank premises and fixed assets
  • $4,980Other real estate owned
  • $0Goodwill and other intangibles
  • $360,544Life insurance assets
  • $6,580All other assets
  • $326,802Total liabilities and capital
  • $317,283Total liabilities
  • $277,225Total deposits
  • $317,283Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9,086Trading liabilities
  • $0Other borrowed funds
  • $433Subordinated debt
  • $33,742All other liabilities
  • $33,742Total equity capital
  • $33,742Total bank equity capital
  • $0Perpetual preferred stock
  • $1,662Common stock
  • $19,191Surplus
  • $12,889Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $11,782Income earned, not collected on loans
  • $5,295Earning assets
  • $1,789Long-term assets (5+ years)
  • $325,283Average Assets, year-to-date
  • $63,591Average Assets, quarterly
  • $363,059Volatile liabilities
  • $364,205Insider loans
  • $240,694FHLB advances
  • $367,091Loans and leases held for sale
  • $1,479Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $31,761Tier 2 risk-based capital
  • $1,479Total risk weighted assets
  • $0Total unused commitments
  • $35,828Restructured Loans and leases
  • $191Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $18,552Total interest income
  • $2,590Total interest expense
  • $15,962Net interest income
  • $925Provision for loan and lease losses
  • $2,284Total noninterest income
  • $0Fiduciary activities
  • $934Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,350Additional noninterest income
  • $14,327Total noninterest expense
  • $8,384Salaries and employee benefits
  • $1,751Premises and equipment expense
  • $4,192Additional noninterest expense
  • $2,994Pre-tax net operating income
  • $1,037Securities gains (losses)
  • $0Applicable income taxes
  • $4,031Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,031Net income attributable to bank
  • $0Net charge-offs
  • $4,031Cash dividends
  • $764Sale, conversion, retirement of capital stock, net
  • $2,700Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.62%Yield on earning assets
  • 0.79%Cost of funding earning assets
  • 4.84%Net interest margin
  • 0.69%Noninterest income to earning assets
  • 4.34%Noninterest expense to earning assets
  • 0.82%Net operating income to assets
  • 1.11%Return on assets (ROA)
  • 1.11%Pretax return on assets
  • 12.10%Return on equity (ROE)
  • 4.00%Retained earnings to average equity (YTD only)
  • 0.31%Net charge-offs to loans
  • 121.07%Credit loss provision to net charge-offs
  • 5.13%Efficiency ratio
  • 78,521Assets per employee
  • 2.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 66.98%Loss allowance to loans
  • 1.71%Loss allowance to noncurrent loans
  • 34.31%Noncurrent assets plus other real estate owned to assets
  • 4.65%Noncurrent loans to loans
  • 4.99%Net loans and leases to deposits
  • 73.12%Net loans and leases to core deposits
  • 74.80%Equity capital to assets
  • 9.36%Core capital (leverage) ratio
  • 8.65%Tier 1 risk-based capital ratio
  • 13.20%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $363,059Average earning assets
  • $33,305Average equity
  • $329,921Average loans

List of branches

  • 14 Oregon Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011437Community Bank609 North Main Street, Joseph, OR 97846June 01, 1955Full Service Brick and Mortar
    1241735Enterprise Branch300 N.W. First Street, Enterprise, OR 97828Febuary 13, 1976Full Service Brick and Mortar
    3237742Wallowa Branch202 Storie Street, Wallowa, OR 97885June 15, 1957Full Service Brick and Mortar
    4241736Pendleton Branch157 S Main Street, Pendleton, OR 97801Febuary 01, 1996Full Service Brick and Mortar
    5241737Hermiston Branch204 East Main Street, Hermiston, OR 97838November 03, 1997Full Service Brick and Mortar
    6241738La Grande Branch904 Adams Avenue, La Grande, OR 97850June 29, 1998Full Service Brick and Mortar
    7241739Southgate Branch1220 Southgate, Pendleton, OR 97801April 05, 1999Full Service Brick and Mortar
    8241740Elgin Branch109 South 8th Street, Elgin, OR 97827September 20, 1999Full Service Brick and Mortar
    9357942Union Branch539 South Main, Union, OR 97883April 03, 2000Full Service Brick and Mortar
    10360318Baker City Branch1190 Campbell Street, Baker City, OR 97814March 01, 2001Full Service Brick and Mortar
    11365057Milton-Freewater Branch13 N.E. 5th Ave, Milton Freewater, OR 97862January 07, 2002Full Service Brick and Mortar
    14466303Valley Branch2313 Adams Ave, La Grande, OR 97850Febuary 05, 2007Full Service Brick and Mortar
    15478876North Hill Branch50 E Theater Lane, Hermiston, OR 97838September 04, 2007Full Service Brick and Mortar
    16492939Heppner Branch127 N. Main Street, Heppner, OR 97836May 17, 2009Full Service Brick and Mortar
  • 2 Washington Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    12419496Walla Walla Branch28 East Alder, Walla Walla, WA 99362December 09, 2002Full Service Brick and Mortar
    17511422Clarkston Branch118 Bridge St, Clarkston, WA 99403October 05, 2009Full Service Brick and Mortar

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