Community Bank, National Association in Summersville, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Community Bank, National Association in Summersville, Missouri (MO)
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Community Bank, National Association - Overview

  • General
  • FDIC Certificate #: 12238
    Status: Active
    Federal Reserve ID: 300250
    Bank Holding Company (Regulatory Top Holder): Summersville Bancorporation, Inc. (RSSDID: 2827313, Location: Summersville, MO)
    Date Established: April 15, 1904
    WWW: http://www.communitybank-na.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 7780
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 120 North Main Street, Summersville, MO 65571
    County: Texas
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Springfield Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $51.2 mil
    Equity capital: $4.8 mil
    Deposits held in domestic offices: $46.2 mil
    Return on assets (ROA): 1.27% ($0.6 mil)
    Quarterly return on assets: 0.67% ($0.3 mil)
    Return on Equity (ROE): 13.77% ($0.7 mil)
    Quarterly return on equity: 7.08% ($0.4 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.27% ($650.5 mil)
    Quarterly Pretax return on assets: 0.67% ($343.2 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
  • 27Total employees (full-time equivalent)
  • $51,218Total assets
  • $11,902Cash and due from depository institutions
  • $2,539Interest-bearing balances
  • $2,665Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $33,779Net loans & leases
  • $632Loan loss allowance
  • $0Trading account assets
  • $1,677Bank premises and fixed assets
  • $310Other real estate owned
  • $0Goodwill and other intangibles
  • $51,218Life insurance assets
  • $885All other assets
  • $46,368Total liabilities and capital
  • $46,152Total liabilities
  • $38,172Total deposits
  • $46,152Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $216Subordinated debt
  • $4,850All other liabilities
  • $4,850Total equity capital
  • $4,850Total bank equity capital
  • $0Perpetual preferred stock
  • $260Common stock
  • $740Surplus
  • $3,850Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $253Income earned, not collected on loans
  • $0Earning assets
  • $288Long-term assets (5+ years)
  • $38,983Average Assets, year-to-date
  • $4,003Average Assets, quarterly
  • $51,787Volatile liabilities
  • $51,563Insider loans
  • $35,932FHLB advances
  • $51,367Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,776Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,518Restructured Loans and leases
  • $1,093Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,052Total interest income
  • $534Total interest expense
  • $2,518Net interest income
  • $160Provision for loan and lease losses
  • $509Total noninterest income
  • $0Fiduciary activities
  • $314Service charges on deposit accounts
  • $0Trading account gains & fees
  • $195Additional noninterest income
  • $2,216Total noninterest expense
  • $1,156Salaries and employee benefits
  • $380Premises and equipment expense
  • $680Additional noninterest expense
  • $651Pre-tax net operating income
  • $7Securities gains (losses)
  • $0Applicable income taxes
  • $658Income before extraordinary items
  • $0Extraordinary gains - net
  • $658Net income attributable to bank
  • $0Net charge-offs
  • $658Cash dividends
  • $128Sale, conversion, retirement of capital stock, net
  • $468Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.46%Yield on earning assets
  • 1.31%Cost of funding earning assets
  • 6.16%Net interest margin
  • 1.24%Noninterest income to earning assets
  • 5.42%Noninterest expense to earning assets
  • 1.26%Net operating income to assets
  • 1.27%Return on assets (ROA)
  • 1.27%Pretax return on assets
  • 13.77%Return on equity (ROE)
  • 3.98%Retained earnings to average equity (YTD only)
  • 0.37%Net charge-offs to loans
  • 125.00%Credit loss provision to net charge-offs
  • 6.34%Efficiency ratio
  • 73,208Assets per employee
  • 1.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 71.12%Loss allowance to loans
  • 1.84%Loss allowance to noncurrent loans
  • 249.80%Noncurrent assets plus other real estate owned to assets
  • 1.10%Noncurrent loans to loans
  • 0.74%Net loans and leases to deposits
  • 73.19%Net loans and leases to core deposits
  • 75.88%Equity capital to assets
  • 9.47%Core capital (leverage) ratio
  • 9.30%Tier 1 risk-based capital ratio
  • 13.29%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $51,787Average earning assets
  • $4,780Average equity
  • $40,892Average loans

List of branches

  • 3 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07780Community Bank, National Association120 North Main Street, Summersville, MO 65571April 15, 1904Full Service Brick and Mortar
    1226728Community Bank Na, EminenceHighways 19 And 106, Eminence, MO 65466August 26, 1996Full Service Brick and Mortar
    3490670Houston Branch114 North Highway 63, Houston, MO 65483May 04, 2009Full Service Brick and Mortar

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