COMMUNITY BANCORP【CMTV】
時価総額
$2.2億
PER
個人・中小企業向けの地域商業銀行の有力企業。住宅ローン、商業不動産融資、事業融資、信託・資産運用を展開。2007年の買収、2019年にニューハンプシャー州ローン生産オフィス開設、2024年7月に自社株買い枠275,000株承認。北部・中央バーモントで支店11店、ローン生産オフィス2拠点展開。
| 2011年 12月31日 | 2012年 12月31日 | 2013年 12月31日 | 2014年 12月31日 | 2015年 12月31日 | 2016年 12月31日 | 2017年 12月31日 | 2018年 12月31日 | 2019年 12月31日 | 2020年 12月31日 | 2021年 12月31日 | 2022年 12月31日 | 2023年 12月31日 | 2024年 12月31日 | |
| Net income | 4 | 4 | 5 | 5 | 5 | 5 | 6 | 8 | 9 | 11 | 13 | 14 | 13 | 13 |
| Depreciation and amortization, bank premises and equipment | 1 | 1 | 1 | 969,691 | 969,661 | 1 | 1 | 981,691 | 930,035 | - | 1 | 1 | 1 | 1 |
| Credit loss expense | - | - | - | - | - | - | - | - | - | - | - | - | 1 | 1 |
| Deferred income tax | -114,334 | -231,970 | -402,748 | 755,139 | -172,374 | -172,562 | 784,331 | -11,359 | 96,236 | -270,427 | -76,374 | -118,587 | -373,105 | 351,928 |
| Net realized gain on sale of securities AFS | - | - | - | - | - | - | - | - | - | - | - | - | 36,707 | - |
| Gain on sale of loans | 792,303 | -1,375,689 | 778,203 | 460,505 | 424,240 | 429,480 | 317,432 | 345,780 | 290,116 | -1,027,175 | 540,540 | 237,881 | -153,491 | 88,087 |
| Loss on sale of bank premises and equipment | - | 4,583 | 12,077 | -6,610 | -130,603 | -39,644 | -29,029 | 260,013 | -30,797 | 174,470 | 7,559 | - | 33,228 | -3,374 |
| Gain on sale of OREO | -7,212 | -15,139 | 9,990 | -1,840 | -20,058 | -4,965 | 143 | -2,397 | -817 | -55,602 | - | - | - | 30,061 |
| Income from CFS Partners | - | - | - | - | - | - | - | - | - | -684,891 | - | 584,971 | -1,033,499 | 1 |
| Amortization of bond premium, net | 399,486 | 514,934 | 427,496 | 239,580 | 148,526 | 117,821 | 126,863 | 128,469 | 120,295 | 92,662 | 531,081 | 609,535 | 256,999 | 208,521 |
| Proceeds from sales of loans held for sale | 42 | 49 | 30 | 21 | 24 | 22 | 14 | 13 | 14 | 38 | 18 | 13 | 8 | 5 |
| Originations of loans held for sale | 41 | -46,562,338 | 28 | 21 | 25 | 20 | 15 | 11 | 14 | -37,002,689 | 18 | 12 | 8 | 5 |
| Increase (decrease) in taxes payable | -492,939 | -747,180 | 1 | 784,222 | 54,669 | -187,908 | 475,048 | -23,758 | 522 | 61,285 | -258,585 | 499,525 | -339,199 | 17,177 |
| Increase in interest receivable | -89,021 | -50,485 | 27,220 | -79,857 | -65,235 | 185,297 | 233,408 | 248,923 | 35,712 | -651,424 | -587,417 | 813,772 | -1,032,466 | 225,676 |
| Decrease in mortgage servicing rights | - | - | - | - | - | - | - | - | - | - | - | - | 75,580 | 82,525 |
| Decrease in right-of-use assets | - | - | - | - | - | - | - | - | - | 132,778 | 196,172 | 198,682 | 201,296 | 65,489 |
| Decrease in operating lease liabilities | - | - | - | - | - | - | - | - | - | - | - | -205,165 | -215,031 | -80,770 |
| Increase in other assets | -62,072 | -799,545 | -54,026 | -345,847 | 309,552 | -332,930 | -98,223 | 790,320 | -335,167 | 5,728 | -67,126 | -15,389 | 377,001 | 100,564 |
| Increase in cash surrender value of BOLI | 129,915 | -124,398 | 115,663 | 110,267 | 106,912 | 104,920 | 96,376 | 92,317 | 88,913 | -85,224 | 84,992 | 80,159 | -79,316 | 85,651 |
| Amortization of limited partnerships | - | - | - | - | - | - | - | - | - | - | - | - | 596,429 | 748,525 |
| Change in net deferred loan fees and costs | 81,602 | -162,250 | 130,928 | 2,965 | 13,097 | -6,361 | 8,521 | 44,963 | -1,199 | - | 1 | 531,247 | -79,894 | 75,526 |
| Increase in interest payable | - | - | - | - | - | - | - | - | - | -53,109 | -27,348 | 15,143 | 1 | 1 |
| (Decrease) increase in accrued expenses | -55,074 | 155,052 | 107,476 | -36,802 | 23,407 | 142,323 | 86,309 | 149,648 | 66,100 | 174,154 | 310,996 | 267,655 | 14,230 | -144,567 |
| Increase in other liabilities | -321,870 | 1,411 | 66,951 | -116,873 | 76,798 | 193,055 | -738,549 | 62,805 | -45,772 | -38,377 | 3,525 | -39,291 | 328,394 | 1,033 |
| Net cash provided by operating activities | 6 | 7 | 11 | 9 | 6 | 9 | 8 | 10 | 11 | 14 | 14 | 16 | 15 | 16 |
| Maturities, calls, pay downs and sales | 14 | 43 | 15 | 19 | 16 | 6 | 11 | 9 | 20 | 23 | 19 | 19 | 17 | 31 |
| Purchases | - | - | - | - | - | - | - | - | - | - | - | - | 9 | - |
| Proceeds from redemption of restricted equity securities | - | 287,200 | 388,500 | 300,400 | 890,800 | 2 | 1 | 1 | 493,600 | 522,400 | 141,500 | 43,500 | 4 | 4 |
| Purchases of restricted equity securities | - | - | - | - | - | 2 | 3,600 | 1 | 176,000 | 537,100 | 129,400 | 20,800 | 4 | 5 |
| Increase (decrease) in limited partnership contributions payable | - | - | - | - | - | - | - | - | - | - | - | -2,601,000 | -2,601,000 | -4,356,000 |
| Investments in limited liability entities | - | - | - | - | - | - | - | - | - | - | - | 3 | -394,000 | 6 |
| Proceeds from distribution from CFS Partners | - | - | - | - | - | - | - | - | - | - | - | - | 1,000,000 | - |
| Increase in loans, net | - | - | - | - | - | - | - | - | - | 103 | -19,139,595 | 59 | -97,400,781 | 84 |
| Capital expenditures net of proceeds from sales of bank premises and equipment | - | - | - | - | - | - | - | - | - | - | - | 615,549 | 633,462 | 791,790 |
| Proceeds from sales of OREO | - | - | - | - | - | - | - | - | - | - | - | - | - | 305,061 |
| Recoveries of loans charged off | - | 121,160 | 261,264 | 54,798 | 98,370 | 75,129 | 91,795 | 126,462 | 117,842 | 72,965 | 104,808 | 828,943 | 178,780 | 213,554 |
| Net cash used in investing activities | -36,207,588 | -20,449,921 | -15,490,423 | -10,754,513 | -5,274,757 | -45,218,822 | -18,490,242 | -29,549,597 | -37,000,863 | -116,990,220 | -104,593,446 | -95,001,755 | -92,094,049 | -56,564,804 |
| Net increase (decrease) in demand and interest-bearing transaction accounts | 22 | 16 | 7 | 5 | 10 | -1,735,228 | 27 | 50 | 10 | - | 60 | 35 | -10,142,763 | 2 |
| Net increase (decrease) in money market and savings accounts | 760,602 | 21 | -323,709 | 14 | -2,187,668 | 2 | 25 | -12,516,729 | 10 | 51 | 44 | 13 | -38,243,902 | 40 |
| Net increase in time deposits | -6,270,746 | -15,935,288 | -574,525 | -7,929,263 | -5,459,748 | 9 | 3 | 10 | -13,980,464 | -2,866,358 | -7,030,955 | -4,662,347 | 22 | 63 |
| Net increase in repurchase agreements | - | - | - | - | - | - | - | - | - | - | - | -467,954 | 3 | -12,688,076 |
| Net (decrease) increase in short-term borrowings | - | - | - | - | - | - | - | - | - | - | - | - | - | -12,000,000 |
| Proceeds from long-term borrowings | - | - | - | 6 | - | 2 | 2 | - | 1 | 150,000 | - | - | - | 30 |
| Repayments on long-term borrowings | - | - | - | - | - | - | - | 2 | - | - | 1 | - | 200,000 | - |
| Decrease in finance lease obligations | - | - | - | - | - | - | - | - | - | - | - | 213,055 | 219,857 | 226,863 |
| Dividends paid on preferred stock | 187,500 | 187,500 | 81,250 | 81,250 | 81,250 | 87,500 | 101,563 | 103,125 | 87,500 | 54,375 | 48,750 | 66,563 | 120,938 | 125,625 |
| Dividends paid on common stock | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 3 | 4 | 4 | 4 |
| Net cash provided by financing activities | 2 | 20 | -6,568,506 | 8 | 4 | 37 | 23 | 45 | 6 | 170 | 86 | 40 | 26 | 131 |
| Net increase (decrease) in cash and cash equivalents | - | - | - | - | - | - | - | - | - | - | -4,690,994 | -39,218,598 | -50,705,815 | 91 |
| Interest | - | - | - | - | - | - | 3 | 4 | 6 | 5 | - | 4 | 12 | 19 |
| Income taxes, net of refunds | - | - | - | -345,087 | 1 | 1 | 1 | 1 | 1 | 2 | 3 | 2 | 3 | 1 |
| Unrealized gain during the period | - | - | - | - | - | - | - | - | - | - | -2,635,848 | -24,684,615 | - | 195,918 |
| Loans transferred to OREO | - | - | - | - | - | - | - | - | - | - | - | - | - | 275,000 |
| Additions to operating lease liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | 138,058 |
| Investment in limited partnerships, not yet paid | 3 | 213,830 | - | - | - | - | - | - | - | - | - | - | - | 4 |
| Dividends declared | -2,613,143 | -2,666,741 | -2,706,461 | -3,130,868 | -3,172,179 | -3,212,092 | -3,453,884 | -3,799,864 | 4 | 4 | 5 | 5 | 5 | 5 |
| (Increase) decrease in dividends payable attributable to dividends declared | - | - | - | - | - | - | - | - | - | -17,773 | -149,212 | -43,686 | 29,507 | -62,984 |
| Dividends reinvested | - | - | - | - | - | - | - | - | - | - | - | - | - | 1 |
| Total dividends paid | - | - | - | - | - | - | - | - | - | - | 3 | 4 | - | 4 |