Community First Bank of Indiana in city_name, state_name - Detailed Financial Reports, Location

Community First Bank of Indiana in Kokomo, Indiana (IN)
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Community First Bank of Indiana routing number info

Community First Bank of Indiana - Overview

General
FDIC Certificate #: 57511
Status: Active
Federal Reserve ID: 3165357
Bank Holding Company (Regulatory Top Holder): Community First Financial Corporation (RSSDID: 3921816, Location: Kokomo, IN)
Date Established: Febuary 03, 2003
WWW: http://www.cfbindiana.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 364552
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: Febuary 03, 2003
Last Structure Change Effective Date: September 02, 2009
Last Structure Change Process Date: October 07, 2009
Last Data Update: October 07, 2009
Data Source Date: April 05, 2012
Location
Address: 201 West Sycamore Street, Kokomo, IN 46901
County: Howard
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
Metropolitan Statistical Area (MSA): Kokomo, IN (#3850)
Combined Statistical Area (CSA): Kokomo-Peru, IN (#316)
Core Based Statistical Area (CBSA): Kokomo, IN (#29020)
CBSA Metro Statistical Area: Kokomo, IN (#29020)
History of Changes
Name Change
Financial Summary
Total assets: $183.9 mil
Equity capital: $18.2 mil
Deposits held in domestic offices: $163.1 mil
Return on assets (ROA): 0.08% ($0.1 mil)
Quarterly return on assets: -1.62% (-$3.0 mil)
Return on Equity (ROE): 0.80% ($0.1 mil)
Quarterly return on equity: -15.37% (-$2.8 mil)
Net income: $0.1 mil
Quarterly Net income: -$0.7 mil
Pretax return on assets: 0.01% ($18.4 mil)
Quarterly Pretax return on assets: -2.77% (-$5,094.0 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
37Total employees (full-time equivalent)
$183,898Total assets
$3,781Cash and due from depository institutions
$0Interest-bearing balances
$15,296Securities
$30,623Federal funds sold & reverse repurchase agreements
$123,242Net loans & leases
$4,046Loan loss allowance
$0Trading account assets
$3,006Bank premises and fixed assets
$793Other real estate owned
$0Goodwill and other intangibles
$183,898Life insurance assets
$7,157All other assets
$165,680Total liabilities and capital
$163,077Total liabilities
$142,023Total deposits
$163,077Interest-bearing deposits
$76Deposits held in domestic offices
1666.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$937Subordinated debt
$18,218All other liabilities
$18,218Total equity capital
$18,218Total bank equity capital
$0Perpetual preferred stock
$1,285Common stock
$11,562Surplus
$5,371Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,691Income earned, not collected on loans
$0Earning assets
$717Long-term assets (5+ years)
$169,161Average Assets, year-to-date
$40,158Average Assets, quarterly
$180,549Volatile liabilities
$176,705Insider loans
$140,600FHLB advances
$171,098Loans and leases held for sale
$3,692Unused loan commitments
$3,692Tier 1 (core) risk-based capital
$17,527Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$23,507Restructured Loans and leases
$5,027Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$8,098Total interest income
$1,433Total interest expense
$6,665Net interest income
$3,275Provision for loan and lease losses
$1,835Total noninterest income
$0Fiduciary activities
$286Service charges on deposit accounts
$0Trading account gains & fees
$1,549Additional noninterest income
$5,211Total noninterest expense
$2,745Salaries and employee benefits
$508Premises and equipment expense
$1,958Additional noninterest expense
$14Pre-tax net operating income
$0Securities gains (losses)
-$135Applicable income taxes
$149Income before extraordinary items
$0Extraordinary gains - net
$149Net income attributable to bank
$0Net charge-offs
$149Cash dividends
$2,949Sale, conversion, retirement of capital stock, net
$267Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.89%Yield on earning assets
0.87%Cost of funding earning assets
4.03%Net interest margin
1.11%Noninterest income to earning assets
3.15%Noninterest expense to earning assets
0.08%Net operating income to assets
0.08%Return on assets (ROA)
0.01%Pretax return on assets
0.80%Return on equity (ROE)
-0.63%Retained earnings to average equity (YTD only)
2.29%Net charge-offs to loans
111.05%Credit loss provision to net charge-offs
1.12%Efficiency ratio
61,306Assets per employee
4.97%Cash dividends to net income (YTD only)
Condition Ratios (%)
179.19%Loss allowance to loans
3.18%Loss allowance to noncurrent loans
109.62%Noncurrent assets plus other real estate owned to assets
2.44%Noncurrent loans to loans
2.90%Net loans and leases to deposits
75.57%Net loans and leases to core deposits
86.08%Equity capital to assets
9.91%Core capital (leverage) ratio
10.24%Tier 1 risk-based capital ratio
12.47%Total risk-based capital ratio
Memoranda
$14Average assets
$180,549Average earning assets
$18,674Average equity
$165,539Average loans

List of branches

3 Indiana Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	364552	Community First Bank Of Indiana	201 West Sycamore Street, Kokomo, IN 46901	Febuary 03, 2003	Full Service Brick and Mortar
1	451664	Dixon Road Branch	2101 South Dixon Road, Kokomo, IN 46902	June 05, 2006	Full Service Brick and Mortar
2	478352	Hoffer Street Branch	1308 East Hoffer Street, Kokomo, IN 46902	July 14, 2008	Full Service Brick and Mortar

Community First Bank of Indiana in Kokomo, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community First Bank of Indiana - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

Community First Bank of Indiana in Kokomo, Indiana (IN)Overview, Financial Summary, Detailed Financial Reports, Branches

Community First Bank of Indiana - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

Community First Bank of Indiana in Kokomo, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches