Community Bank in Joseph, Oregon (OR), WA



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Community Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)152
Total assets$360,544
Cash and due from depository institutions$16,271
Interest-bearing balances$7,490
Securities$73,254
Federal funds sold & reverse repurchase agreements$12,555
Net loans & leases$231,984
Loan loss allowance $4,042
Trading account assets$0
Bank premises and fixed assets$14,920
Other real estate owned$4,980
Goodwill and other intangibles$0
All other assets$6,580
Life insurance assets$360,544
Total liabilities and capital$326,802
Total liabilities$317,283
Total deposits$277,225
Interest-bearing deposits$317,283
Deposits held in domestic offices$94
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$9,086
Other borrowed funds $0
Subordinated debt $433
All other liabilities $33,742
Total equity capital$33,742
Total bank equity capital$33,742
Perpetual preferred stock$0
Common stock$1,662
Surplus$19,191
Undivided profits $12,889
Memoranda
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 $11,782
Earning assets $5,295
Long-term assets (5+ years) $1,789
Average Assets, year-to-date $325,283
Average Assets, quarterly $63,591
Volatile liabilities $363,059
Insider loans $364,205
FHLB advances $240,694
Loans and leases held for sale $367,091
Unused loan commitments $1,479
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $31,761
Total risk weighted assets $1,479
Total unused commitments $0
Restructured Loans and leases $35,828
Derivatives$191
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $18,552
Total interest expense $2,590
Net interest income $15,962
Provision for loan and lease losses $925
Total noninterest income $2,284
Fiduciary activities $0
Service charges on deposit accounts $934
Trading account gains & fees $0
Additional noninterest income $1,350
Total noninterest expense $14,327
Salaries and employee benefits $8,384
Premises and equipment expense $1,751
Additional noninterest expense $4,192
Pre-tax net operating income $2,994
Securities gains (losses) $1,037
Applicable income taxes $0
Income before extraordinary items $4,031
Extraordinary gains - net $0
Net income attributable to bank $4,031
Net charge-offs $0
Cash dividends $4,031
Sale, conversion, retirement of capital stock, net $764
Net operating income $2,700
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.62%
Cost of funding earning assets 0.79%
Net interest margin 4.84%
Noninterest income to earning assets 0.69%
Noninterest expense to earning assets 4.34%
Net operating income to assets 0.82%
Return on assets (ROA) 1.11%
Pretax return on assets 1.11%
Return on equity (ROE) 12.10%
Retained earnings to average equity (YTD only) 4.00%
Net charge-offs to loans 0.31%
Credit loss provision to net charge-offs 121.07%
Efficiency ratio5.13%
Assets per employee$78,521
Cash dividends to net income (YTD only)2.37%
Condition Ratios (%)
Loss allowance to loans 66.98%
Loss allowance to noncurrent loans 1.71%
Noncurrent assets plus other real estate owned to assets 34.31%
Noncurrent loans to loans 4.65%
Net loans and leases to deposits4.99%
Net loans and leases to core deposits 73.12%
Equity capital to assets 74.80%
Core capital (leverage) ratio 9.36%
Tier 1 risk-based capital ratio 8.65%
Total risk-based capital ratio 13.20%
Memoranda
Average assets$14
Average earning assets$363,059
Average equity $33,305
Average loans $329,921
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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
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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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