FDIC Certificate #: 8067 Status: Active Federal Reserve ID: 322449 Date Established: April 01, 1931 WWW:http://www.communitystatebank.com 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
No
ID
Name
Address
Established
Service Type
Map
0
5131
Community State Bank
244 West Main, Brook, IN 47922
April 01, 1931
Full Service Brick and Mortar
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