The Community Bank in Liberal, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Community Bank - Overview

  • General
  • FDIC Certificate #: 34666
    Status: Active
    Federal Reserve ID: 2621940
    Bank Holding Company (Regulatory Top Holder): Light Bancshares Corporation (RSSDID: 2621913, Location: Liberal, KS)
    Date Established: April 06, 1998
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 52580
    FDIC's unique #: 61118
    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: April 06, 1998
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: October 07, 2010
    Last Data Update: October 07, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 2320 North Kansas Avenue, Liberal, KS 67901
    County: Seward
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Wichita
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Liberal, KS (#30580)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $98.0 mil
    Equity capital: $9.6 mil
    Deposits held in domestic offices: $87.6 mil
    Return on assets (ROA): 1.03% ($1.0 mil)
    Quarterly return on assets: 0.92% ($0.9 mil)
    Return on Equity (ROE): 10.12% ($1.0 mil)
    Quarterly return on equity: 8.88% ($0.9 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.29% ($1,264.5 mil)
    Quarterly Pretax return on assets: 1.28% ($1,254.7 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
  • 23Total employees (full-time equivalent)
  • $98,027Total assets
  • $16,045Cash and due from depository institutions
  • $13,284Interest-bearing balances
  • $33,987Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $43,497Net loans & leases
  • $1,560Loan loss allowance
  • $0Trading account assets
  • $1,851Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $98,027Life insurance assets
  • $2,647All other assets
  • $88,389Total liabilities and capital
  • $87,625Total liabilities
  • $59,958Total deposits
  • $87,625Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $764Subordinated debt
  • $9,638All other liabilities
  • $9,638Total equity capital
  • $9,638Total bank equity capital
  • $0Perpetual preferred stock
  • $1,820Common stock
  • $1,820Surplus
  • $5,998Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,866Income earned, not collected on loans
  • $0Earning assets
  • $461Long-term assets (5+ years)
  • $90,768Average Assets, year-to-date
  • $13,760Average Assets, quarterly
  • $89,643Volatile liabilities
  • $93,080Insider loans
  • $55,396FHLB advances
  • $94,667Loans and leases held for sale
  • $1,499Unused loan commitments
  • $545Tier 1 (core) risk-based capital
  • $8,985Tier 2 risk-based capital
  • $954Total risk weighted assets
  • $0Total unused commitments
  • $10,139Restructured Loans and leases
  • $4,900Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,223Total interest income
  • $476Total interest expense
  • $2,747Net interest income
  • $0Provision for loan and lease losses
  • $570Total noninterest income
  • $0Fiduciary activities
  • $305Service charges on deposit accounts
  • $0Trading account gains & fees
  • $265Additional noninterest income
  • $2,452Total noninterest expense
  • $1,208Salaries and employee benefits
  • $283Premises and equipment expense
  • $961Additional noninterest expense
  • $865Pre-tax net operating income
  • $288Securities gains (losses)
  • $232Applicable income taxes
  • $921Income before extraordinary items
  • $0Extraordinary gains - net
  • $921Net income attributable to bank
  • $0Net charge-offs
  • $921Cash dividends
  • $49Sale, conversion, retirement of capital stock, net
  • $80Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.89%Yield on earning assets
  • 0.57%Cost of funding earning assets
  • 3.32%Net interest margin
  • 0.69%Noninterest income to earning assets
  • 2.96%Noninterest expense to earning assets
  • 0.77%Net operating income to assets
  • 1.03%Return on assets (ROA)
  • 1.29%Pretax return on assets
  • 10.12%Return on equity (ROE)
  • 9.24%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 17.65%Efficiency ratio
  • 73,922Assets per employee
  • 4.26%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 8.69%Loss allowance to loans
  • 3.46%Loss allowance to noncurrent loans
  • 83.60%Noncurrent assets plus other real estate owned to assets
  • 1.90%Noncurrent loans to loans
  • 4.14%Net loans and leases to deposits
  • 49.64%Net loans and leases to core deposits
  • 59.09%Equity capital to assets
  • 9.83%Core capital (leverage) ratio
  • 9.49%Tier 1 risk-based capital ratio
  • 16.22%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $89,643Average earning assets
  • $9,104Average equity
  • $82,787Average loans

List of branches

  • 2 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    061118The Community Bank2320 North Kansas Avenue, Liberal, KS 67901April 06, 1998Full Service Brick and Mortar
    1442641The Community Bank Branch303 S. Kansas, Liberal, KS 67901July 19, 2004Limited Service Facility

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