Community State Bank in Royal Center, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community State Bank - Overview

  • General
  • FDIC Certificate #: 1839
    Status: Active
    Federal Reserve ID: 987848
    Bank Holding Company (Regulatory Top Holder): Community Bancorp (RSSDID: 1210347, Location: Royal Center, IN)
    Date Established: May 22, 1930
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 1225
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    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: 101 N Chicago St, Royal Center, IN 46978
    County: Cass
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Indianapolis
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Logansport, IN (#30900)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $101.7 mil
    Equity capital: $8.9 mil
    Deposits held in domestic offices: $91.7 mil
    Return on assets (ROA): 0.90% ($0.9 mil)
    Quarterly return on assets: 0.94% ($1.0 mil)
    Return on Equity (ROE): 10.42% ($0.9 mil)
    Quarterly return on equity: 10.62% ($1.0 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.30% ($1,322.2 mil)
    Quarterly Pretax return on assets: 1.34% ($1,362.8 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)
  • $101,705Total assets
  • $7,844Cash and due from depository institutions
  • $5,947Interest-bearing balances
  • $27,567Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $62,161Net loans & leases
  • $993Loan loss allowance
  • $0Trading account assets
  • $1,439Bank premises and fixed assets
  • $0Other real estate owned
  • $468Goodwill and other intangibles
  • $101,706Life insurance assets
  • $2,226All other assets
  • $92,824Total liabilities and capital
  • $91,670Total liabilities
  • $75,758Total deposits
  • $91,670Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,154Subordinated debt
  • $8,882All other liabilities
  • $8,882Total equity capital
  • $8,882Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $2,250Surplus
  • $6,532Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $731Income earned, not collected on loans
  • $382Earning assets
  • $947Long-term assets (5+ years)
  • $95,675Average Assets, year-to-date
  • $55,151Average Assets, quarterly
  • $96,824Volatile liabilities
  • $99,297Insider loans
  • $62,921FHLB advances
  • $99,753Loans and leases held for sale
  • $676Unused loan commitments
  • $676Tier 1 (core) risk-based capital
  • $8,102Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,571Restructured Loans and leases
  • $1,080Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,358Total interest income
  • $765Total interest expense
  • $3,593Net interest income
  • $181Provision for loan and lease losses
  • $380Total noninterest income
  • $0Fiduciary activities
  • $214Service charges on deposit accounts
  • $0Trading account gains & fees
  • $166Additional noninterest income
  • $2,583Total noninterest expense
  • $1,295Salaries and employee benefits
  • $297Premises and equipment expense
  • $991Additional noninterest expense
  • $1,209Pre-tax net operating income
  • $50Securities gains (losses)
  • $385Applicable income taxes
  • $874Income before extraordinary items
  • $0Extraordinary gains - net
  • $874Net income attributable to bank
  • $0Net charge-offs
  • $874Cash dividends
  • $42Sale, conversion, retirement of capital stock, net
  • $161Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.86%Yield on earning assets
  • 0.85%Cost of funding earning assets
  • 4.01%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 2.88%Noninterest expense to earning assets
  • 0.87%Net operating income to assets
  • 0.90%Return on assets (ROA)
  • 1.30%Pretax return on assets
  • 10.42%Return on equity (ROE)
  • 8.50%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 430.95%Credit loss provision to net charge-offs
  • 33.10%Efficiency ratio
  • 64,083Assets per employee
  • 3.77%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 18.42%Loss allowance to loans
  • 1.57%Loss allowance to noncurrent loans
  • 135.84%Noncurrent assets plus other real estate owned to assets
  • 0.72%Noncurrent loans to loans
  • 1.16%Net loans and leases to deposits
  • 67.81%Net loans and leases to core deposits
  • 69.53%Equity capital to assets
  • 8.73%Core capital (leverage) ratio
  • 8.12%Tier 1 risk-based capital ratio
  • 12.88%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $96,824Average earning assets
  • $8,389Average equity
  • $89,693Average 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
  • $3,107Managed Assets
  • 1Number of Accounts
  • $3,107Personal trust and agency accounts
  • $2,028Employee benefit-defined contribution accounts
  • $1,079Employee 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
  • 15Number 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

  • 3 Indiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01225Community State Bank101 N Chicago St, Royal Center, IN 46978May 22, 1930Full Service Brick and Mortar
    1190212Twelve Mile Branch8070 State Road 16, Twelve Mile, IN 46988June 24, 1996Full Service Brick and Mortar
    2232571Kewanna Branch221 East Main Street, Kewanna, IN 46939January 05, 1935Full Service Brick and Mortar

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