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Community
Bancshares Inc., exists to operate community-sized banks in
multiple offices at a profit. Its principal clientele are
individuals and small or closely-held business operators who
need basic loan and deposit services. Success has been
attributed to emphasizing good liquidity and/or safety, to
comfortable levels of capital and reserves, to hard-working
employees, and to being a willing lender.
The
Corporation is continuously committed to determining the wants
and needs of its clientele and to delivering high quality
service which meet those needs. In seeking to know each
customer as an individual, loyalty and profitability are
enhanced.
Ownership
is predominantly persons residing in the counties being served.
Active shareholders, rather than passive investors, are a
valuable corporate asset.
Community
Bancshares, Inc., seeks to decentralize control in that a sense
of responsibility and creativity may increase in each office.
Individual employees are encouraged to increase their knowledge
and their performance in exchange for meaningful increases in
responsibility and compensation. Individual offices
and subsidiaries are encouraged to capitalize on their unique
market opportunities and operating strengths.
Basic
policy making, financial control, and the providing of
appropriate joint services are the areas where centralized
activities are emphasized.
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