Community National Bank in Seneca, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community National Bank - Overview

  • General
  • FDIC Certificate #: 25665
    Status: Active
    Federal Reserve ID: 354552
    Bank Holding Company (Regulatory Top Holder): Community Bancshares, Inc. (RSSDID: 1067532, Location: Seneca, KS)
    Date Established: October 04, 1984
    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 #: 13515
    FDIC's unique #: 17566
    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: October 04, 1984
    Last Structure Change Effective Date: November 07, 2006
    Last Structure Change Process Date: September 20, 2011
    Last Data Update: September 20, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 305 Main Street, Seneca, KS 66538
    County: Nemaha
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $231.5 mil
    Equity capital: $25.4 mil
    Deposits held in domestic offices: $195.5 mil
    Return on assets (ROA): 1.56% ($3.6 mil)
    Quarterly return on assets: 1.18% ($2.7 mil)
    Return on Equity (ROE): 14.57% ($3.6 mil)
    Quarterly return on equity: 10.81% ($2.7 mil)
    Net income: $3.4 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.62% ($3,750.2 mil)
    Quarterly Pretax return on assets: 1.24% ($2,870.5 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
  • 73Total employees (full-time equivalent)
  • $231,492Total assets
  • $12,697Cash and due from depository institutions
  • $7,442Interest-bearing balances
  • $98,378Securities
  • $160Federal funds sold & reverse repurchase agreements
  • $97,980Net loans & leases
  • $1,547Loan loss allowance
  • $0Trading account assets
  • $7,377Bank premises and fixed assets
  • $6,624Other real estate owned
  • $357Goodwill and other intangibles
  • $231,492Life insurance assets
  • $7,919All other assets
  • $206,045Total liabilities and capital
  • $195,542Total liabilities
  • $172,887Total deposits
  • $195,542Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 9719.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $784Subordinated debt
  • $25,447All other liabilities
  • $25,447Total equity capital
  • $25,447Total bank equity capital
  • $0Perpetual preferred stock
  • $1,025Common stock
  • $7,263Surplus
  • $17,159Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $115Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,303Income earned, not collected on loans
  • $0Earning assets
  • $1,317Long-term assets (5+ years)
  • $203,960Average Assets, year-to-date
  • $48,368Average Assets, quarterly
  • $218,903Volatile liabilities
  • $229,247Insider loans
  • $154,822FHLB advances
  • $228,476Loans and leases held for sale
  • $3,033Unused loan commitments
  • $3,033Tier 1 (core) risk-based capital
  • $23,079Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $14,150Restructured Loans and leases
  • $4,813Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,464Total interest income
  • $1,178Total interest expense
  • $7,286Net interest income
  • $214Provision for loan and lease losses
  • $4,570Total noninterest income
  • $0Fiduciary activities
  • $3,912Service charges on deposit accounts
  • $0Trading account gains & fees
  • $658Additional noninterest income
  • $8,130Total noninterest expense
  • $4,045Salaries and employee benefits
  • $721Premises and equipment expense
  • $3,364Additional noninterest expense
  • $3,512Pre-tax net operating income
  • $35Securities gains (losses)
  • $142Applicable income taxes
  • $3,405Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,405Net income attributable to bank
  • $0Net charge-offs
  • $3,405Cash dividends
  • $493Sale, conversion, retirement of capital stock, net
  • $1,041Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.34%Yield on earning assets
  • 0.60%Cost of funding earning assets
  • 3.74%Net interest margin
  • 2.34%Noninterest income to earning assets
  • 4.17%Noninterest expense to earning assets
  • 1.54%Net operating income to assets
  • 1.56%Return on assets (ROA)
  • 1.62%Pretax return on assets
  • 14.57%Return on equity (ROE)
  • 10.12%Retained earnings to average equity (YTD only)
  • 0.50%Net charge-offs to loans
  • 43.41%Credit loss provision to net charge-offs
  • 7.56%Efficiency ratio
  • 68,295Assets per employee
  • 3.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 30.57%Loss allowance to loans
  • 1.55%Loss allowance to noncurrent loans
  • 35.95%Noncurrent assets plus other real estate owned to assets
  • 4.72%Noncurrent loans to loans
  • 4.32%Net loans and leases to deposits
  • 50.11%Net loans and leases to core deposits
  • 50.95%Equity capital to assets
  • 10.99%Core capital (leverage) ratio
  • 10.10%Tier 1 risk-based capital ratio
  • 14.91%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $218,903Average earning assets
  • $23,370Average equity
  • $194,929Average loans

List of branches

  • 4 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    017566Community National Bank305 Main Street, Seneca, KS 66538October 04, 1984Full Service Brick and Mortar
    1258134Tonganoxie Branch231 N. Main Street, Tonganoxie, KS 66086April 07, 1997Full Service Brick and Mortar
    2364484Basehor Branch15718 Pinehurst Drive, Basehor, KS 66007June 01, 2002Full Service Brick and Mortar
    3467299Sabetha Branch15 East Main Street, Sabetha, KS 66534November 08, 2006Full Service Brick and Mortar

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