Community Bank, National Association in Mobile, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Community Bank, National Association in Mobile, Alabama (AL)
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Community Bank, National Association - Overview

  • General
  • FDIC Certificate #: 20329
    Status: Active
    Federal Reserve ID: 60433
    Bank Holding Company (Regulatory Top Holder): Community Bancshares Of Mississippi, Inc. Employee Stock Ownership Plan (RSSDID: 2313544, Location: Brandon, MS)
    Date Established: January 02, 1971
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 12978
    FDIC's unique #: 13996
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 02, 1971
    Last Structure Change Effective Date: December 10, 2007
    Last Structure Change Process Date: December 27, 2007
    Last Data Update: December 27, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 6808 Airport Boulevard, Mobile, AL 36608
    County: Mobile
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Montgomery
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Mobile, AL (#5160)
    Combined Statistical Area (CSA): Mobile-Daphne-Fairhope, AL (#380)
    Core Based Statistical Area (CBSA): Mobile, AL (#33660)
    CBSA Metro Statistical Area: Mobile, AL (#33660)
  • History of Changes
  • Office Sold
    Change in Location
    Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $95.4 mil
    Equity capital: $8.1 mil
    Deposits held in domestic offices: $87.0 mil
    Return on assets (ROA): 0.18% ($0.2 mil)
    Quarterly return on assets: 0.21% ($0.2 mil)
    Return on Equity (ROE): 2.02% ($0.2 mil)
    Quarterly return on equity: 2.38% ($0.2 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.18% ($171.7 mil)
    Quarterly Pretax return on assets: 0.21% ($200.3 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
  • 18Total employees (full-time equivalent)
  • $95,378Total assets
  • $8,167Cash and due from depository institutions
  • $3,576Interest-bearing balances
  • $8,529Securities
  • $997Federal funds sold & reverse repurchase agreements
  • $70,684Net loans & leases
  • $628Loan loss allowance
  • $0Trading account assets
  • $2,486Bank premises and fixed assets
  • $785Other real estate owned
  • $0Goodwill and other intangibles
  • $95,378Life insurance assets
  • $3,730All other assets
  • $87,299Total liabilities and capital
  • $87,018Total liabilities
  • $83,240Total deposits
  • $87,018Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $281Subordinated debt
  • $8,079All other liabilities
  • $8,079Total equity capital
  • $8,079Total bank equity capital
  • $0Perpetual preferred stock
  • $939Common stock
  • $9,196Surplus
  • $-2,056Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $256Long-term assets (5+ years)
  • $83,786Average Assets, year-to-date
  • $14,111Average Assets, quarterly
  • $90,349Volatile liabilities
  • $91,779Insider loans
  • $69,291FHLB advances
  • $89,579Loans and leases held for sale
  • $1,751Unused loan commitments
  • $1,751Tier 1 (core) risk-based capital
  • $7,560Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,123Restructured Loans and leases
  • $3,097Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,155Total interest income
  • $1,158Total interest expense
  • $2,997Net interest income
  • $114Provision for loan and lease losses
  • $132Total noninterest income
  • $0Fiduciary activities
  • $43Service charges on deposit accounts
  • $0Trading account gains & fees
  • $89Additional noninterest income
  • $2,903Total noninterest expense
  • $1,157Salaries and employee benefits
  • $482Premises and equipment expense
  • $1,264Additional noninterest expense
  • $112Pre-tax net operating income
  • $49Securities gains (losses)
  • $0Applicable income taxes
  • $161Income before extraordinary items
  • $0Extraordinary gains - net
  • $161Net income attributable to bank
  • $0Net charge-offs
  • $161Cash dividends
  • $212Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.02%Yield on earning assets
  • 1.40%Cost of funding earning assets
  • 3.62%Net interest margin
  • 0.16%Noninterest income to earning assets
  • 3.50%Noninterest expense to earning assets
  • 0.12%Net operating income to assets
  • 0.18%Return on assets (ROA)
  • 0.18%Pretax return on assets
  • 2.02%Return on equity (ROE)
  • 2.02%Retained earnings to average equity (YTD only)
  • 0.32%Net charge-offs to loans
  • 53.77%Credit loss provision to net charge-offs
  • 1.07%Efficiency ratio
  • 92,777Assets per employee
  • 5.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.88%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.82%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 81.23%Net loans and leases to core deposits
  • 84.59%Equity capital to assets
  • 8.47%Core capital (leverage) ratio
  • 8.44%Tier 1 risk-based capital ratio
  • 10.91%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $90,349Average earning assets
  • $7,958Average equity
  • $82,848Average loans

List of branches

  • 4 Alabama Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013996Community Bank, National Association6808 Airport Boulevard, Mobile, AL 36608January 02, 1971Full Service Brick and Mortar
    4478878Daphne Branch2101 Unit K, Hwy 98, Daphne, AL 36526June 30, 2008Full Service Brick and Mortar
    5522011Infirmary 653290 Dauphin Street, Suite 200, Mobile, AL 36606July 18, 2011Full Service Brick and Mortar
    6522288Mobile Branch3290 Dauphin Street, Suite 200, Mobile, AL 36606July 18, 2011Limited Service Mobile

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