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
No
ID
Name
Address
Established
Service Type
Map
0
455113
The Community Bank
507 U S Hwy 380, Bridgeport, TX 76426
June 06, 2007
Full Service Brick and Mortar
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