Community Bank & Company in Lakewood Ranch, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Community Bank & Company in Lakewood Ranch, Florida (FL)
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Community Bank & Company - Overview

  • General
  • FDIC Certificate #: 34092
    Status: Active
    Federal Reserve ID: 2362074
    Bank Holding Company (Regulatory Top Holder): Cbm Florida Holding Company (RSSDID: 3819267, Location: Bradenton, FL)
    Date Established: November 17, 1995
    WWW: http://www.communitybanknow.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 18 (Domestic: 18, Interstate: No)
    OTS Docket #: 14450
    FDIC's unique #: 56232
    Numeric code: 21
    Regulator: FDIC
    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: November 17, 1995
    Last Structure Change Effective Date: June 01, 2011
    Last Structure Change Process Date: June 10, 2011
    Last Data Update: June 10, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 2025 Lakewood Ranch Boulevard, Lakewood Ranch, FL 34211
    County: Manatee
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Tampa
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Sarasota-Bradenton, FL (#7510)
    Combined Statistical Area (CSA): Sarasota-Bradenton-Punta Gorda, FL (#494)
    Core Based Statistical Area (CBSA): North Port-Bradenton-Sarasota, FL (#35840)
    CBSA Metro Statistical Area: North Port-Bradenton-Sarasota, FL (#35840)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $729.3 mil
    Equity capital: $74.6 mil
    Deposits held in domestic offices: $557.7 mil
    Return on assets (ROA): 0.99% ($7.2 mil)
    Quarterly return on assets: 1.32% ($9.6 mil)
    Return on Equity (ROE): 9.95% ($7.5 mil)
    Quarterly return on equity: 13.15% ($9.9 mil)
    Net income: $5.6 mil
    Quarterly Net income: $2.4 mil
    Pretax return on assets: 0.99% ($7,219.9 mil)
    Quarterly Pretax return on assets: 1.32% ($9,626.5 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
  • 153Total employees (full-time equivalent)
  • $729,278Total assets
  • $14,427Cash and due from depository institutions
  • $7,755Interest-bearing balances
  • $103,587Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $543,182Net loans & leases
  • $5,791Loan loss allowance
  • $0Trading account assets
  • $28,667Bank premises and fixed assets
  • $14,351Other real estate owned
  • $535Goodwill and other intangibles
  • $729,278Life insurance assets
  • $24,529All other assets
  • $654,685Total liabilities and capital
  • $557,658Total liabilities
  • $491,732Total deposits
  • $557,658Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 13.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $93,108Trading liabilities
  • $3,000Other borrowed funds
  • $906Subordinated debt
  • $74,593All other liabilities
  • $74,593Total equity capital
  • $74,593Total bank equity capital
  • $7,233Perpetual preferred stock
  • $60,064Common stock
  • $17,509Surplus
  • $-10,213Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $24,403Income earned, not collected on loans
  • $0Earning assets
  • $3,046Long-term assets (5+ years)
  • $654,524Average Assets, year-to-date
  • $60,273Average Assets, quarterly
  • $560,361Volatile liabilities
  • $731,423Insider loans
  • $639,960FHLB advances
  • $731,029Loans and leases held for sale
  • $8,369Unused loan commitments
  • $2,592Tier 1 (core) risk-based capital
  • $74,915Tier 2 risk-based capital
  • $5,777Total risk weighted assets
  • $0Total unused commitments
  • $47,542Restructured Loans and leases
  • $1,413Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $27,133Total interest income
  • $5,816Total interest expense
  • $21,317Net interest income
  • $2,846Provision for loan and lease losses
  • $4,833Total noninterest income
  • $0Fiduciary activities
  • $475Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,358Additional noninterest income
  • $18,033Total noninterest expense
  • $7,725Salaries and employee benefits
  • $2,092Premises and equipment expense
  • $8,216Additional noninterest expense
  • $5,271Pre-tax net operating income
  • $294Securities gains (losses)
  • $0Applicable income taxes
  • $5,565Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,565Net income attributable to bank
  • $0Net charge-offs
  • $5,565Cash dividends
  • $1,038Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.34%Yield on earning assets
  • 1.14%Cost of funding earning assets
  • 4.20%Net interest margin
  • 0.95%Noninterest income to earning assets
  • 3.55%Noninterest expense to earning assets
  • 0.94%Net operating income to assets
  • 0.99%Return on assets (ROA)
  • 0.99%Pretax return on assets
  • 9.95%Return on equity (ROE)
  • 9.95%Retained earnings to average equity (YTD only)
  • 0.26%Net charge-offs to loans
  • 274.18%Credit loss provision to net charge-offs
  • 7.82%Efficiency ratio
  • 68,008Assets per employee
  • 4.77%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.05%Loss allowance to noncurrent loans
  • 23.73%Noncurrent assets plus other real estate owned to assets
  • 5.31%Noncurrent loans to loans
  • 4.45%Net loans and leases to deposits
  • 97.40%Net loans and leases to core deposits
  • 105.39%Equity capital to assets
  • 10.23%Core capital (leverage) ratio
  • 10.25%Tier 1 risk-based capital ratio
  • 11.71%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $560,361Average earning assets
  • $55,905Average equity
  • $508,004Average loans

List of branches

  • 18 Florida Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    056232Community Bank & Company2025 Lakewood Ranch Boulevard, Lakewood Ranch, FL 34211November 17, 1995Full Service Brick and Mortar
    1290382West Bradenton Branch7202 Manatee Avenue West, Bradenton, FL 34209July 01, 1997Full Service Brick and Mortar
    2363347Messenger Service6000 State Road 70 East, Bradenton, FL 34203January 31, 2002Limited Service Messenger
    3418505Hyde Park Branch110 S. Boulevard, Tampa, FL 33606Febuary 03, 2003Full Service Brick and Mortar
    5466948Braden River Branch6000 State Road 70 East, Bradenton, FL 34203August 13, 2007Full Service Brick and Mortar
    6473864Brandon-Riverview Branch10109 Us Highway 301 South, Riverview, FL 33578March 31, 2008Full Service Brick and Mortar
    7518761St. Petersburg Branch158 Beach Drive, N.E., Saint Petersburg, FL 33701May 02, 2011Full Service Brick and Mortar
    845104Pinellas Park Branch9001 Belcher Road, Pinellas Park, FL 33782Febuary 11, 1985Full Service Brick and Mortar
    9287388Port Charlotte Branch1950 Tamiami Trail, Port Charlotte, FL 33948Febuary 01, 1999Full Service Brick and Mortar
    10423386Largo Branch2075 Seminole Boulevard, Largo, FL 33778October 14, 2003Full Service Brick and Mortar
    11445577Apollo Beach Branch6542 U.S. Highway 41 North, Apollo Beach, FL 33572October 14, 2004Full Service Brick and Mortar
    124640393802 South West Shore Boulevard3802 South West Shore Boulevard, Tampa, FL 33611December 16, 2005Full Service Brick and Mortar
    13478802Dade City Branch13839 Us 98 Bypass, Dade City, FL 33525September 05, 2006Full Service Brick and Mortar
    14479935Saint Petersburg Branch6100 4th Street North, Saint Petersburg, FL 33703June 23, 2008Full Service Brick and Mortar
    15492488Punta Gorda Branch3855 Tamiami Trail, Punta Gorda, FL 33950December 17, 2007Full Service Brick and Mortar
    16492489Zephyrhills Branch7435 Gall Blvd, Zephyrhills, FL 33541June 16, 2008Full Service Brick and Mortar
    17492490Port Charlotte24100 Veterans Blvd, Port Charlotte, FL 33954August 30, 2007Full Service Brick and Mortar
    18495999Central Ave Branch6180 Central Ave, Saint Petersburg, FL 33707Febuary 23, 2009Full Service Brick and Mortar

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