Community Bank in Lexington, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Community Bank in Lexington, Tennessee (TN)
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Community Bank routing number info

Community Bank - Overview

  • General
  • FDIC Certificate #: 31272
    Status: Active
    Federal Reserve ID: 361279
    Bank Holding Company (Regulatory Top Holder): Community National Corporation (RSSDID: 2613141, Location: Lexington, TN)
    Date Established: August 04, 1961
    WWW: http://www.community-bank.net
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 6646
    FDIC's unique #: 44106
    Numeric code: 13
    Regulator: FED
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: August 04, 1961
    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: 19 Natchez Trace Drive, Lexington, TN 38351
    County: Henderson
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Nashville
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $107.7 mil
    Equity capital: $10.1 mil
    Deposits held in domestic offices: $89.8 mil
    Return on assets (ROA): 0.82% ($0.9 mil)
    Quarterly return on assets: 0.21% ($0.2 mil)
    Return on Equity (ROE): 9.17% ($0.9 mil)
    Quarterly return on equity: 2.19% ($0.2 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.00% ($1,077.5 mil)
    Quarterly Pretax return on assets: 0.13% ($140.1 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
  • 35Total employees (full-time equivalent)
  • $107,747Total assets
  • $1,877Cash and due from depository institutions
  • $25Interest-bearing balances
  • $24,162Securities
  • $437Federal funds sold & reverse repurchase agreements
  • $76,638Net loans & leases
  • $865Loan loss allowance
  • $0Trading account assets
  • $3,014Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $107,747Life insurance assets
  • $1,619All other assets
  • $97,638Total liabilities and capital
  • $89,764Total liabilities
  • $80,460Total deposits
  • $89,764Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 1371.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,193Trading liabilities
  • $0Other borrowed funds
  • $310Subordinated debt
  • $10,109All other liabilities
  • $10,109Total equity capital
  • $10,109Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $5,489Surplus
  • $4,520Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $607Income earned, not collected on loans
  • $0Earning assets
  • $697Long-term assets (5+ years)
  • $101,262Average Assets, year-to-date
  • $30,872Average Assets, quarterly
  • $104,914Volatile liabilities
  • $107,102Insider loans
  • $73,493FHLB advances
  • $107,888Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,450Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,962Restructured Loans and leases
  • $2,521Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,354Total interest income
  • $1,457Total interest expense
  • $3,897Net interest income
  • $300Provision for loan and lease losses
  • $514Total noninterest income
  • $0Fiduciary activities
  • $339Service charges on deposit accounts
  • $0Trading account gains & fees
  • $175Additional noninterest income
  • $3,109Total noninterest expense
  • $1,555Salaries and employee benefits
  • $573Premises and equipment expense
  • $981Additional noninterest expense
  • $1,002Pre-tax net operating income
  • $46Securities gains (losses)
  • $187Applicable income taxes
  • $861Income before extraordinary items
  • $0Extraordinary gains - net
  • $861Net income attributable to bank
  • $0Net charge-offs
  • $861Cash dividends
  • $195Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.47%Yield on earning assets
  • 1.49%Cost of funding earning assets
  • 3.98%Net interest margin
  • 0.53%Noninterest income to earning assets
  • 3.18%Noninterest expense to earning assets
  • 0.78%Net operating income to assets
  • 0.82%Return on assets (ROA)
  • 1.00%Pretax return on assets
  • 9.17%Return on equity (ROE)
  • 9.17%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 153.85%Credit loss provision to net charge-offs
  • 6.68%Efficiency ratio
  • 70,483Assets per employee
  • 3.08%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.12%Loss allowance to noncurrent loans
  • 142.50%Noncurrent assets plus other real estate owned to assets
  • 0.56%Noncurrent loans to loans
  • 0.78%Net loans and leases to deposits
  • 85.38%Net loans and leases to core deposits
  • 94.04%Equity capital to assets
  • 9.38%Core capital (leverage) ratio
  • 8.76%Tier 1 risk-based capital ratio
  • 12.86%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $104,914Average earning assets
  • $9,391Average equity
  • $97,845Average loans

List of branches

  • 3 Tennessee Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    044106Community Bank19 Natchez Trace Drive, Lexington, TN 38351August 04, 1961Full Service Brick and Mortar
    1427716West Church Street Branch435 West Church Street, Lexington, TN 38351June 01, 1998Full Service Brick and Mortar
    2449784North Highland Branch3200 North Highland Avenue, Jackson, TN 38305Febuary 27, 2006Full Service Brick and Mortar

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