Community Bank, North Mississippi in Amory, Mississippi (MS), TN

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Community Bank, North Mississippi routing number info

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Community Bank, North Mississippi
GeneralFDIC 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
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
LocationAddress: 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 ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal 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)
Total employees (full-time equivalent)102
Total assets$486,692
Cash and due from depository institutions$17,252
Interest-bearing balances$6,352
Federal funds sold & reverse repurchase agreements$5,000
Net loans & leases$295,114
Loan loss allowance $4,359
Trading account assets$0
Bank premises and fixed assets$20,296
Other real estate owned$16,576
Goodwill and other intangibles$3,574
All other assets$20,287
Life insurance assets$486,692
Total liabilities and capital$442,524
Total liabilities$433,873
Total deposits$389,892
Interest-bearing deposits$433,873
Deposits held in domestic offices$89
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$7,442
Other borrowed funds $0
Subordinated debt $1,209
All other liabilities $44,168
Total equity capital$44,168
Total bank equity capital$44,168
Perpetual preferred stock$0
Common stock$402
Undivided profits $5,522
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $5,754
Earning assets $35
Long-term assets (5+ years) $1,934
Average Assets, year-to-date $415,059
Average Assets, quarterly $83,119
Volatile liabilities $487,172
Insider loans $484,799
FHLB advances $322,891
Loans and leases held for sale $480,519
Unused loan commitments $8,290
Tier 1 (core) risk-based capital $8,290
Tier 2 risk-based capital $40,433
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $20,672
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $19,271
Total interest expense $4,498
Net interest income $14,773
Provision for loan and lease losses $2,358
Total noninterest income $2,281
Fiduciary activities $0
Service charges on deposit accounts $1,321
Trading account gains & fees $0
Additional noninterest income $960
Total noninterest expense $14,750
Salaries and employee benefits $5,425
Premises and equipment expense $1,854
Additional noninterest expense $7,471
Pre-tax net operating income -$54
Securities gains (losses) $661
Applicable income taxes $165
Income before extraordinary items $442
Extraordinary gains - net $0
Net income attributable to bank $442
Net charge-offs $0
Cash dividends $442
Sale, conversion, retirement of capital stock, net $2,499
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.60%
Cost of funding earning assets 1.07%
Net interest margin 3.53%
Noninterest income to earning assets 0.54%
Noninterest expense to earning assets 3.52%
Net operating income to assets -0.01%
Return on assets (ROA) 0.09%
Pretax return on assets 0.12%
Return on equity (ROE) 1.01%
Retained earnings to average equity (YTD only) 1.01%
Net charge-offs to loans 0.82%
Credit loss provision to net charge-offs 94.36%
Efficiency ratio0.92%
Assets per employee$85,880
Cash dividends to net income (YTD only)4.77%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.46%
Noncurrent assets plus other real estate owned to assets 75.76%
Noncurrent loans to loans 4.59%
Net loans and leases to deposits1.92%
Net loans and leases to core deposits 68.02%
Equity capital to assets 75.98%
Core capital (leverage) ratio 9.08%
Tier 1 risk-based capital ratio 8.41%
Total risk-based capital ratio 12.52%
Average assets$14
Average earning assets$487,172
Average equity $43,804
Average loans $418,795
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Total Fiduciary and Related Assets (December 31, 2005)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$124
Number of Accounts1
Personal trust and agency accounts$124
Employee benefit-defined contribution accounts$124
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts2
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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
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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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