Community Bank in Topeka, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Community Bank in Topeka, Kansas (KS)
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Community Bank - Overview

  • General
  • FDIC Certificate #: 34020
    Status: Active
    Federal Reserve ID: 2304636
    Bank Holding Company (Regulatory Top Holder): Community Financial Corporation (RSSDID: 2254704, Location: Topeka, KS)
    Date Established: May 22, 1995
    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)
    FDIC's unique #: 55598
    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: May 22, 1995
    Last Structure Change Effective Date: January 01, 2010
    Last Structure Change Process Date: January 07, 2010
    Last Data Update: January 07, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 5431 Southwest 29th Street, Topeka, KS 66614
    County: Shawnee
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Topeka, KS (#8440)
    Core Based Statistical Area (CBSA): Topeka, KS (#45820)
    CBSA Metro Statistical Area: Topeka, KS (#45820)
  • History of Changes
  • Participated in Reorganization
    Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $80.4 mil
    Equity capital: $7.4 mil
    Deposits held in domestic offices: $67.1 mil
    Return on assets (ROA): 0.72% ($0.6 mil)
    Quarterly return on assets: 0.96% ($0.8 mil)
    Return on Equity (ROE): 7.94% ($0.6 mil)
    Quarterly return on equity: 10.52% ($0.7 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.15% ($924.9 mil)
    Quarterly Pretax return on assets: 1.50% ($1,206.3 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
  • 28Total employees (full-time equivalent)
  • $80,423Total assets
  • $9,043Cash and due from depository institutions
  • $6,990Interest-bearing balances
  • $6,129Securities
  • $1,028Federal funds sold & reverse repurchase agreements
  • $58,171Net loans & leases
  • $757Loan loss allowance
  • $0Trading account assets
  • $3,229Bank premises and fixed assets
  • $485Other real estate owned
  • $0Goodwill and other intangibles
  • $80,423Life insurance assets
  • $2,338All other assets
  • $72,998Total liabilities and capital
  • $67,103Total liabilities
  • $51,909Total deposits
  • $67,103Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 1340.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,000Trading liabilities
  • $0Other borrowed funds
  • $555Subordinated debt
  • $7,425All other liabilities
  • $7,425Total equity capital
  • $7,425Total bank equity capital
  • $0Perpetual preferred stock
  • $1,245Common stock
  • $3,095Surplus
  • $3,085Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $139Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $398Income earned, not collected on loans
  • $0Earning assets
  • $230Long-term assets (5+ years)
  • $72,318Average Assets, year-to-date
  • $13,041Average Assets, quarterly
  • $82,516Volatile liabilities
  • $81,431Insider loans
  • $58,589FHLB advances
  • $82,515Loans and leases held for sale
  • $1,065Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,316Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,065Total unused commitments
  • $13,216Restructured Loans and leases
  • $4,160Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,838Total interest income
  • $608Total interest expense
  • $3,230Net interest income
  • $0Provision for loan and lease losses
  • $563Total noninterest income
  • $0Fiduciary activities
  • $222Service charges on deposit accounts
  • $0Trading account gains & fees
  • $341Additional noninterest income
  • $2,842Total noninterest expense
  • $1,642Salaries and employee benefits
  • $441Premises and equipment expense
  • $759Additional noninterest expense
  • $951Pre-tax net operating income
  • $0Securities gains (losses)
  • $359Applicable income taxes
  • $592Income before extraordinary items
  • $0Extraordinary gains - net
  • $592Net income attributable to bank
  • $0Net charge-offs
  • $592Cash dividends
  • $44Sale, conversion, retirement of capital stock, net
  • $950Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.21%Yield on earning assets
  • 0.82%Cost of funding earning assets
  • 4.38%Net interest margin
  • 0.76%Noninterest income to earning assets
  • 3.86%Noninterest expense to earning assets
  • 0.72%Net operating income to assets
  • 0.72%Return on assets (ROA)
  • 1.15%Pretax return on assets
  • 7.94%Return on equity (ROE)
  • -4.80%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 21.61%Efficiency ratio
  • 74,927Assets per employee
  • 2.87%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 160.47%Loss allowance to loans
  • 1.28%Loss allowance to noncurrent loans
  • 190.20%Noncurrent assets plus other real estate owned to assets
  • 1.10%Noncurrent loans to loans
  • 0.68%Net loans and leases to deposits
  • 86.69%Net loans and leases to core deposits
  • 87.95%Equity capital to assets
  • 9.23%Core capital (leverage) ratio
  • 8.87%Tier 1 risk-based capital ratio
  • 12.49%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $82,516Average earning assets
  • $7,454Average equity
  • $73,718Average loans

List of branches

  • 3 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    055598Community Bank5431 Southwest 29th Street, Topeka, KS 66614May 22, 1995Full Service Brick and Mortar
    1290313Sw Topeka Blvd Branch2909 Sw Topeka Blvd, Topeka, KS 66611March 15, 2000Limited Service Facility
    2428137North Topeka Branch801 Northwest 25th Street, Topeka, KS 66618April 27, 2004Full Service Brick and Mortar

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