Community Bank, North Mississippi in Amory, Mississippi (MS), TN
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Community Bank, North Mississippi in Amory, Mississippi (MS), TN
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Community Bank, North Mississippi - Overview

  • General
  • FDIC Certificate #: 11438
    Status: Active
    Federal Reserve ID: 653349
    Bank Holding Company (Regulatory Top Holder): Community Bancshares Of Mississippi, Inc. Employee Stock Ownership Plan (RSSDID: 2313544, Location: Brandon, MS)
    Date Established: May 20, 1912
    WWW: http://www.communitybank.net
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 9 (Domestic: 9, Interstate: Yes)
    FDIC's unique #: 7304
    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: January 01, 1934
    Last Structure Change Effective Date: March 31, 2009
    Last Structure Change Process Date: April 15, 2009
    Last Data Update: April 15, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 900 North Main Street, Amory, MS 38821
    County: Monroe
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Jackson Ms
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $486.7 mil
    Equity capital: $44.2 mil
    Deposits held in domestic offices: $433.9 mil
    Return on assets (ROA): 0.09% ($0.4 mil)
    Quarterly return on assets: 0.34% ($1.7 mil)
    Return on Equity (ROE): 1.01% ($0.4 mil)
    Quarterly return on equity: 3.75% ($1.6 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.12% ($584.0 mil)
    Quarterly Pretax return on assets: 0.51% ($2,482.1 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
  • 102Total employees (full-time equivalent)
  • $486,692Total assets
  • $17,252Cash and due from depository institutions
  • $6,352Interest-bearing balances
  • $108,593Securities
  • $5,000Federal funds sold & reverse repurchase agreements
  • $295,114Net loans & leases
  • $4,359Loan loss allowance
  • $0Trading account assets
  • $20,296Bank premises and fixed assets
  • $16,576Other real estate owned
  • $3,574Goodwill and other intangibles
  • $486,692Life insurance assets
  • $20,287All other assets
  • $442,524Total liabilities and capital
  • $433,873Total liabilities
  • $389,892Total deposits
  • $433,873Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,442Trading liabilities
  • $0Other borrowed funds
  • $1,209Subordinated debt
  • $44,168All other liabilities
  • $44,168Total equity capital
  • $44,168Total bank equity capital
  • $0Perpetual preferred stock
  • $402Common stock
  • $38,244Surplus
  • $5,522Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,754Income earned, not collected on loans
  • $35Earning assets
  • $1,934Long-term assets (5+ years)
  • $415,059Average Assets, year-to-date
  • $83,119Average Assets, quarterly
  • $487,172Volatile liabilities
  • $484,799Insider loans
  • $322,891FHLB advances
  • $480,519Loans and leases held for sale
  • $8,290Unused loan commitments
  • $8,290Tier 1 (core) risk-based capital
  • $40,433Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $20,672Restructured Loans and leases
  • $6,081Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $19,271Total interest income
  • $4,498Total interest expense
  • $14,773Net interest income
  • $2,358Provision for loan and lease losses
  • $2,281Total noninterest income
  • $0Fiduciary activities
  • $1,321Service charges on deposit accounts
  • $0Trading account gains & fees
  • $960Additional noninterest income
  • $14,750Total noninterest expense
  • $5,425Salaries and employee benefits
  • $1,854Premises and equipment expense
  • $7,471Additional noninterest expense
  • -$54Pre-tax net operating income
  • $661Securities gains (losses)
  • $165Applicable income taxes
  • $442Income before extraordinary items
  • $0Extraordinary gains - net
  • $442Net income attributable to bank
  • $0Net charge-offs
  • $442Cash dividends
  • $2,499Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.60%Yield on earning assets
  • 1.07%Cost of funding earning assets
  • 3.53%Net interest margin
  • 0.54%Noninterest income to earning assets
  • 3.52%Noninterest expense to earning assets
  • -0.01%Net operating income to assets
  • 0.09%Return on assets (ROA)
  • 0.12%Pretax return on assets
  • 1.01%Return on equity (ROE)
  • 1.01%Retained earnings to average equity (YTD only)
  • 0.82%Net charge-offs to loans
  • 94.36%Credit loss provision to net charge-offs
  • 0.92%Efficiency ratio
  • 85,880Assets per employee
  • 4.77%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.46%Loss allowance to noncurrent loans
  • 75.76%Noncurrent assets plus other real estate owned to assets
  • 4.59%Noncurrent loans to loans
  • 1.92%Net loans and leases to deposits
  • 68.02%Net loans and leases to core deposits
  • 75.98%Equity capital to assets
  • 9.08%Core capital (leverage) ratio
  • 8.41%Tier 1 risk-based capital ratio
  • 12.52%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $487,172Average earning assets
  • $43,804Average equity
  • $418,795Average loans

Total Fiduciary and Related Assets (December 31, 2005)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $124Managed Assets
  • 1Number of Accounts
  • $124Personal trust and agency accounts
  • $124Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 2Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 7 Mississippi Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07304Community Bank, North Mississippi900 North Main Street, Amory, MS 38821May 20, 1912Full Service Brick and Mortar
    1224629East Branch902 Highway 278 East, Amory, MS 38821April 01, 1965Limited Service Facility
    5453953Tupelo Branch1317 North Gloster, Tupelo, MS 38804August 07, 2006Full Service Brick and Mortar
    6734Indianola Branch147 Highway 82, Indianola, MS 38751January 01, 1932Full Service Brick and Mortar
    8290782Olive Branch6305 Highway 405, Olive Branch, MS 38654Febuary 23, 1999Full Service Brick and Mortar
    9290783Hernando Branch475 East Commerce Street, Hernando, MS 38632October 06, 1999Full Service Brick and Mortar
    11442642Southaven Branch6910 Airways Blvd, Southaven, MS 38671January 01, 2005Full Service Brick and Mortar
  • 2 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    761200Memphis Branch6465 Quail Hollow Road, Memphis, TN 38137May 11, 1998Full Service Brick and Mortar
    10424237Loan Production Branch5100 Poplar Avenue, Suite 2700, Memphis, TN 38137January 02, 2004Limited Service Loan Production

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