Community Bank in Indianola, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Community Bank in Indianola, Iowa (IA)
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Community Bank - Overview

  • General
  • FDIC Certificate #: 25267
    Status: Active
    Federal Reserve ID: 862141
    Bank Holding Company (Regulatory Top Holder): Community Bancshares Corp. (RSSDID: 2048789, Location: Indianola, IA)
    Date Established: January 01, 1883
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    FDIC's unique #: 17471
    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: July 11, 1984
    Last Structure Change Effective Date: August 29, 2007
    Last Structure Change Process Date: October 30, 2007
    Last Data Update: October 30, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 1401 North Jefferson, Orchard Plaza, Indianola, IA 50125
    County: Warren
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Des Moines
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Des Moines, IA (#2120)
    Combined Statistical Area (CSA): Des Moines-Newton-Pella, IA (#218)
    Core Based Statistical Area (CBSA): Des Moines-West Des Moines, IA (#19780)
    CBSA Metro Statistical Area: Des Moines-West Des Moines, IA (#19780)
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $159.1 mil
    Equity capital: $14.1 mil
    Deposits held in domestic offices: $127.9 mil
    Return on assets (ROA): 0.69% ($1.1 mil)
    Quarterly return on assets: 0.67% ($1.1 mil)
    Return on Equity (ROE): 7.40% ($1.0 mil)
    Quarterly return on equity: 7.30% ($1.0 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.87% ($1,384.6 mil)
    Quarterly Pretax return on assets: 0.86% ($1,368.7 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
  • 42Total employees (full-time equivalent)
  • $159,147Total assets
  • $9,995Cash and due from depository institutions
  • $4,170Interest-bearing balances
  • $45,850Securities
  • $23,261Federal funds sold & reverse repurchase agreements
  • $71,251Net loans & leases
  • $1,353Loan loss allowance
  • $0Trading account assets
  • $3,269Bank premises and fixed assets
  • $1,401Other real estate owned
  • $72Goodwill and other intangibles
  • $159,147Life insurance assets
  • $4,048All other assets
  • $145,089Total liabilities and capital
  • $127,937Total liabilities
  • $105,334Total deposits
  • $127,937Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 13198.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,000Trading liabilities
  • $0Other borrowed funds
  • $954Subordinated debt
  • $14,058All other liabilities
  • $14,058Total equity capital
  • $14,058Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $4,450Surplus
  • $9,508Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6Income earned, not collected on loans
  • $0Earning assets
  • $864Long-term assets (5+ years)
  • $144,532Average Assets, year-to-date
  • $14,236Average Assets, quarterly
  • $142,208Volatile liabilities
  • $151,723Insider loans
  • $79,704FHLB advances
  • $151,625Loans and leases held for sale
  • $1,877Unused loan commitments
  • $1,877Tier 1 (core) risk-based capital
  • $13,366Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,745Restructured Loans and leases
  • $1,120Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,961Total interest income
  • $1,084Total interest expense
  • $4,877Net interest income
  • $300Provision for loan and lease losses
  • $872Total noninterest income
  • $0Fiduciary activities
  • $315Service charges on deposit accounts
  • $0Trading account gains & fees
  • $557Additional noninterest income
  • $4,215Total noninterest expense
  • $2,368Salaries and employee benefits
  • $706Premises and equipment expense
  • $1,141Additional noninterest expense
  • $1,234Pre-tax net operating income
  • $0Securities gains (losses)
  • $254Applicable income taxes
  • $980Income before extraordinary items
  • $0Extraordinary gains - net
  • $980Net income attributable to bank
  • $0Net charge-offs
  • $980Cash dividends
  • $262Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.60%Yield on earning assets
  • 0.84%Cost of funding earning assets
  • 3.76%Net interest margin
  • 0.67%Noninterest income to earning assets
  • 3.25%Noninterest expense to earning assets
  • 0.69%Net operating income to assets
  • 0.69%Return on assets (ROA)
  • 0.87%Pretax return on assets
  • 7.40%Return on equity (ROE)
  • 7.40%Retained earnings to average equity (YTD only)
  • 0.36%Net charge-offs to loans
  • 114.50%Credit loss provision to net charge-offs
  • 5.85%Efficiency ratio
  • 73,248Assets per employee
  • 3.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.86%Loss allowance to noncurrent loans
  • 22550.00%Noncurrent assets plus other real estate owned to assets
  • 0.88%Noncurrent loans to loans
  • 0.01%Net loans and leases to deposits
  • 55.69%Net loans and leases to core deposits
  • 62.51%Equity capital to assets
  • 8.83%Core capital (leverage) ratio
  • 8.82%Tier 1 risk-based capital ratio
  • 16.77%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $142,208Average earning assets
  • $13,239Average equity
  • $129,595Average loans

List of branches

  • 6 Iowa Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    017471Community Bank1401 North Jefferson, Orchard Plaza, Indianola, IA 50125January 01, 1883Full Service Brick and Mortar
    1257955Lucas Branch104 West Front Street, Lucas, IA 50151March 19, 1993Full Service Brick and Mortar
    2357157West Roads Branch1901 West 2nd Avenue, Indianola, IA 50125June 09, 2000Full Service Brick and Mortar
    3422441Norwalk Branch2300 Highway 28, Suite 101, Norwalk, IA 50211April 01, 2003Full Service Brick and Mortar
    462050Fort Des Mones Community Branch612 Army Post Road, Des Moines, IA 50315January 15, 1999Full Service Brick and Mortar
    6466236Newton Branch2506 1st Avenue E, Newton, IA 50208June 01, 2007Full Service Brick and Mortar

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