The Community Bank in Bridgeport, Texas (TX)



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The Community Bank
GeneralFDIC Certificate #: 58517
Status: Active
Federal Reserve ID: 3479018
Bank Holding Company (Regulatory Top Holder): Community Bancshares, Inc. (RSSDID: 3554988, Location: Bridgeport, TX)
Date Established: June 06, 2007
WWW: http://www.onlinewithtcb.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 455113
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: June 06, 2007
Last Structure Change Effective Date: October 07, 2007
Last Structure Change Process Date: November 07, 2007
Last Data Update: November 07, 2007
Data Source Date: April 05, 2012
LocationAddress: 507 U S Hwy 380, Bridgeport, TX 76426
County: Wise
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Dallas
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
Core Based Statistical Area (CBSA): Dallas-Fort Worth-Arlington, TX (#19100)
CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100)
Core Based Statistical Division: Fort Worth-Arlington, TX (#23104)
Financial SummaryTotal assets: $52.1 mil
Equity capital: $5.4 mil
Deposits held in domestic offices: $46.6 mil
Return on assets (ROA): 0.33% ($0.2 mil)
Quarterly return on assets: 0.53% ($0.3 mil)
Return on Equity (ROE): 3.00% ($0.1 mil)
Quarterly return on equity: 5.00% ($0.3 mil)
Net income: $0.2 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.33% ($171.9 mil)
Quarterly Pretax return on assets: 0.53% ($276.0 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)13
Total assets$52,076
Cash and due from depository institutions$14,047
Interest-bearing balances$9,875
Securities$7,602
Federal funds sold & reverse repurchase agreements$100
Net loans & leases$27,667
Loan loss allowance $158
Trading account assets$0
Bank premises and fixed assets$2,415
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$245
Life insurance assets$52,076
Total liabilities and capital$46,637
Total liabilities$46,575
Total deposits$39,229
Interest-bearing deposits$46,575
Deposits held in domestic offices$68
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $62
All other liabilities $5,439
Total equity capital$5,439
Total bank equity capital$5,439
Perpetual preferred stock$0
Common stock$3,000
Surplus$3,322
Undivided profits $-883
Memoranda
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 $42
Earning assets $0
Long-term assets (5+ years) $157
Average Assets, year-to-date $45,244
Average Assets, quarterly $7,090
Volatile liabilities $48,355
Insider loans $51,793
FHLB advances $31,109
Loans and leases held for sale $52,773
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $5,162
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $2,525
Derivatives$5,038
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,957
Total interest expense $665
Net interest income $1,292
Provision for loan and lease losses $46
Total noninterest income $196
Fiduciary activities $0
Service charges on deposit accounts $107
Trading account gains & fees $0
Additional noninterest income $89
Total noninterest expense $1,307
Salaries and employee benefits $707
Premises and equipment expense $211
Additional noninterest expense $389
Pre-tax net operating income $135
Securities gains (losses) $23
Applicable income taxes $0
Income before extraordinary items $158
Extraordinary gains - net $0
Net income attributable to bank $158
Net charge-offs $0
Cash dividends $158
Sale, conversion, retirement of capital stock, net $6
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 assets4.70%
Cost of funding earning assets 1.60%
Net interest margin 3.10%
Noninterest income to earning assets 0.47%
Noninterest expense to earning assets 3.14%
Net operating income to assets 0.28%
Return on assets (ROA) 0.33%
Pretax return on assets 0.33%
Return on equity (ROE) 3.00%
Retained earnings to average equity (YTD only) 3.00%
Net charge-offs to loans 0.02%
Credit loss provision to net charge-offs 766.67%
Efficiency ratio30.17%
Assets per employee$87,836
Cash dividends to net income (YTD only)4.01%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 0.57%
Noncurrent assets plus other real estate owned to assets 376.19%
Noncurrent loans to loans 0.08%
Net loans and leases to deposits0.15%
Net loans and leases to core deposits 59.40%
Equity capital to assets 72.87%
Core capital (leverage) ratio 10.44%
Tier 1 risk-based capital ratio 9.78%
Total risk-based capital ratio 16.59%
Memoranda
Average assets$17
Average earning assets$48,355
Average equity $5,261
Average loans $41,649
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1 Texas Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0455113The Community Bank507 U S Hwy 380, Bridgeport, TX 76426June 06, 2007Full Service Brick and Mortar
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