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

  • Community State Bank in Brook, Indiana (IN)
  • Show street view No street view available for this location

Community State Bank - Overview

  • General
  • FDIC Certificate #: 8067
    Status: Active
    Federal Reserve ID: 322449
    Date Established: April 01, 1931
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 5131
    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: 244 West Main, Brook, IN 47922
    County: Newton
    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
    Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176)
    Core Based Statistical Area (CBSA): Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    CBSA Metro Statistical Area: Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    Core Based Statistical Division: Gary, IN (#23844)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $52.9 mil
    Equity capital: $7.1 mil
    Deposits held in domestic offices: $45.0 mil
    Return on assets (ROA): 1.02% ($0.5 mil)
    Quarterly return on assets: 0.84% ($0.4 mil)
    Return on Equity (ROE): 7.22% ($0.5 mil)
    Quarterly return on equity: 6.00% ($0.4 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.49% ($788.3 mil)
    Quarterly Pretax return on assets: 1.41% ($746.0 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
  • 8Total employees (full-time equivalent)
  • $52,908Total assets
  • $4,290Cash and due from depository institutions
  • $1,296Interest-bearing balances
  • $5,275Securities
  • $9,060Federal funds sold & reverse repurchase agreements
  • $33,023Net loans & leases
  • $289Loan loss allowance
  • $0Trading account assets
  • $138Bank premises and fixed assets
  • $55Other real estate owned
  • $0Goodwill and other intangibles
  • $52,908Life insurance assets
  • $1,067All other assets
  • $45,760Total liabilities and capital
  • $45,019Total liabilities
  • $37,559Total deposits
  • $45,019Interest-bearing deposits
  • $73Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $741Subordinated debt
  • $7,148All other liabilities
  • $7,148Total equity capital
  • $7,148Total bank equity capital
  • $0Perpetual preferred stock
  • $336Common stock
  • $1,431Surplus
  • $5,381Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $357Income earned, not collected on loans
  • $0Earning assets
  • $834Long-term assets (5+ years)
  • $48,654Average Assets, year-to-date
  • $19,619Average Assets, quarterly
  • $50,276Volatile liabilities
  • $51,520Insider loans
  • $33,042FHLB advances
  • $51,225Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,443Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,642Restructured Loans and leases
  • $2,798Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,297Total interest income
  • $437Total interest expense
  • $1,860Net interest income
  • $90Provision for loan and lease losses
  • $118Total noninterest income
  • $2Fiduciary activities
  • $69Service charges on deposit accounts
  • $0Trading account gains & fees
  • $47Additional noninterest income
  • $1,140Total noninterest expense
  • $547Salaries and employee benefits
  • $57Premises and equipment expense
  • $536Additional noninterest expense
  • $748Pre-tax net operating income
  • $0Securities gains (losses)
  • $236Applicable income taxes
  • $512Income before extraordinary items
  • $0Extraordinary gains - net
  • $512Net income attributable to bank
  • $0Net charge-offs
  • $512Cash dividends
  • $110Sale, conversion, retirement of capital stock, net
  • $223Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.95%Yield on earning assets
  • 0.94%Cost of funding earning assets
  • 4.01%Net interest margin
  • 0.25%Noninterest income to earning assets
  • 2.46%Noninterest expense to earning assets
  • 1.02%Net operating income to assets
  • 1.02%Return on assets (ROA)
  • 1.49%Pretax return on assets
  • 7.22%Return on equity (ROE)
  • 4.07%Retained earnings to average equity (YTD only)
  • 0.33%Net charge-offs to loans
  • 81.82%Credit loss provision to net charge-offs
  • 7.62%Efficiency ratio
  • 57,634Assets per employee
  • 6.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 43.55%Loss allowance to loans
  • 0.87%Loss allowance to noncurrent loans
  • 80.95%Noncurrent assets plus other real estate owned to assets
  • 0.78%Noncurrent loans to loans
  • 1.07%Net loans and leases to deposits
  • 73.35%Net loans and leases to core deposits
  • 106.97%Equity capital to assets
  • 13.51%Core capital (leverage) ratio
  • 14.53%Tier 1 risk-based capital ratio
  • 22.53%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $50,276Average earning assets
  • $7,096Average equity
  • $46,428Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,344Managed Assets
  • 1Number of Accounts
  • $1,175Personal trust and agency accounts
  • $53Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,095Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $27Non-managed Assets
  • 6Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $169Other retirement accounts
  • $0Corporate trust and agency accounts
  • $169Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 1 Indiana Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05131Community State Bank244 West Main, Brook, IN 47922April 01, 1931Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Community State Bank.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents