The Community Bank in Bridgeport, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Community Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Summary
  • Total 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
  • 13Total employees (full-time equivalent)
  • $52,076Total assets
  • $14,047Cash and due from depository institutions
  • $9,875Interest-bearing balances
  • $7,602Securities
  • $100Federal funds sold & reverse repurchase agreements
  • $27,667Net loans & leases
  • $158Loan loss allowance
  • $0Trading account assets
  • $2,415Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $52,076Life insurance assets
  • $245All other assets
  • $46,637Total liabilities and capital
  • $46,575Total liabilities
  • $39,229Total deposits
  • $46,575Interest-bearing deposits
  • $68Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $62Subordinated debt
  • $5,439All other liabilities
  • $5,439Total equity capital
  • $5,439Total bank equity capital
  • $0Perpetual preferred stock
  • $3,000Common stock
  • $3,322Surplus
  • $-883Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $42Income earned, not collected on loans
  • $0Earning assets
  • $157Long-term assets (5+ years)
  • $45,244Average Assets, year-to-date
  • $7,090Average Assets, quarterly
  • $48,355Volatile liabilities
  • $51,793Insider loans
  • $31,109FHLB advances
  • $52,773Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,162Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,525Restructured Loans and leases
  • $5,038Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,957Total interest income
  • $665Total interest expense
  • $1,292Net interest income
  • $46Provision for loan and lease losses
  • $196Total noninterest income
  • $0Fiduciary activities
  • $107Service charges on deposit accounts
  • $0Trading account gains & fees
  • $89Additional noninterest income
  • $1,307Total noninterest expense
  • $707Salaries and employee benefits
  • $211Premises and equipment expense
  • $389Additional noninterest expense
  • $135Pre-tax net operating income
  • $23Securities gains (losses)
  • $0Applicable income taxes
  • $158Income before extraordinary items
  • $0Extraordinary gains - net
  • $158Net income attributable to bank
  • $0Net charge-offs
  • $158Cash dividends
  • $6Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.70%Yield on earning assets
  • 1.60%Cost of funding earning assets
  • 3.10%Net interest margin
  • 0.47%Noninterest income to earning assets
  • 3.14%Noninterest expense to earning assets
  • 0.28%Net operating income to assets
  • 0.33%Return on assets (ROA)
  • 0.33%Pretax return on assets
  • 3.00%Return on equity (ROE)
  • 3.00%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 766.67%Credit loss provision to net charge-offs
  • 30.17%Efficiency ratio
  • 87,836Assets per employee
  • 4.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.57%Loss allowance to noncurrent loans
  • 376.19%Noncurrent assets plus other real estate owned to assets
  • 0.08%Noncurrent loans to loans
  • 0.15%Net loans and leases to deposits
  • 59.40%Net loans and leases to core deposits
  • 72.87%Equity capital to assets
  • 10.44%Core capital (leverage) ratio
  • 9.78%Tier 1 risk-based capital ratio
  • 16.59%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $48,355Average earning assets
  • $5,261Average equity
  • $41,649Average loans

List of branches

  • 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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