Commonwealth Community Bank, Inc. in Hartford, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

Commonwealth Community Bank, Inc. - Overview

  • General
  • FDIC Certificate #: 8126
    Status: Active
    Federal Reserve ID: 541642
    Bank Holding Company (Regulatory Top Holder): Ohio County Community Bancshares, Inc. (RSSDID: 1951127, Location: Hartford, KY)
    Date Established: July 05, 1928
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 9128
    FDIC's unique #: 5175
    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: Yes
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    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: 830 South Main Street, Hartford, KY 42347
    County: Ohio
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Hopkinsville
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $157.5 mil
    Equity capital: $21.1 mil
    Deposits held in domestic offices: $122.4 mil
    Return on assets (ROA): 1.41% ($2.2 mil)
    Quarterly return on assets: 0.93% ($1.5 mil)
    Return on Equity (ROE): 11.24% ($2.4 mil)
    Quarterly return on equity: 6.71% ($1.4 mil)
    Net income: $2.2 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.43% ($2,251.9 mil)
    Quarterly Pretax return on assets: 1.02% ($1,606.2 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
  • 36Total employees (full-time equivalent)
  • $157,474Total assets
  • $3,471Cash and due from depository institutions
  • $297Interest-bearing balances
  • $83,720Securities
  • $1,546Federal funds sold & reverse repurchase agreements
  • $57,235Net loans & leases
  • $874Loan loss allowance
  • $0Trading account assets
  • $3,137Bank premises and fixed assets
  • $347Other real estate owned
  • $0Goodwill and other intangibles
  • $157,474Life insurance assets
  • $8,018All other assets
  • $136,332Total liabilities and capital
  • $122,436Total liabilities
  • $100,896Total deposits
  • $122,436Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $11,335Trading liabilities
  • $0Other borrowed funds
  • $2,561Subordinated debt
  • $21,142All other liabilities
  • $21,142Total equity capital
  • $21,142Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $2,800Surplus
  • $18,142Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $237Income earned, not collected on loans
  • $0Earning assets
  • $1,273Long-term assets (5+ years)
  • $142,798Average Assets, year-to-date
  • $101,962Average Assets, quarterly
  • $153,071Volatile liabilities
  • $156,292Insider loans
  • $87,710FHLB advances
  • $156,443Loans and leases held for sale
  • $4,594Unused loan commitments
  • $4,594Tier 1 (core) risk-based capital
  • $17,893Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,777Restructured Loans and leases
  • $917Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,361Total interest income
  • $1,629Total interest expense
  • $5,732Net interest income
  • $120Provision for loan and lease losses
  • $743Total noninterest income
  • $0Fiduciary activities
  • $449Service charges on deposit accounts
  • $0Trading account gains & fees
  • $294Additional noninterest income
  • $4,181Total noninterest expense
  • $2,065Salaries and employee benefits
  • $468Premises and equipment expense
  • $1,648Additional noninterest expense
  • $2,174Pre-tax net operating income
  • $11Securities gains (losses)
  • $34Applicable income taxes
  • $2,151Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,151Net income attributable to bank
  • $0Net charge-offs
  • $2,151Cash dividends
  • $120Sale, conversion, retirement of capital stock, net
  • $1,666Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.30%Yield on earning assets
  • 1.17%Cost of funding earning assets
  • 4.13%Net interest margin
  • 0.54%Noninterest income to earning assets
  • 3.01%Noninterest expense to earning assets
  • 1.40%Net operating income to assets
  • 1.41%Return on assets (ROA)
  • 1.43%Pretax return on assets
  • 11.24%Return on equity (ROE)
  • 2.54%Retained earnings to average equity (YTD only)
  • 0.20%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 19.12%Efficiency ratio
  • 64,571Assets per employee
  • 4.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 77.45%Loss allowance to loans
  • 1.50%Loss allowance to noncurrent loans
  • 368.78%Noncurrent assets plus other real estate owned to assets
  • 0.37%Noncurrent loans to loans
  • 0.41%Net loans and leases to deposits
  • 46.75%Net loans and leases to core deposits
  • 49.24%Equity capital to assets
  • 13.43%Core capital (leverage) ratio
  • 11.44%Tier 1 risk-based capital ratio
  • 20.40%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $153,071Average earning assets
  • $19,132Average equity
  • $138,793Average 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
  • $5,835Managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 2Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $5,835Other retirement accounts
  • $5,835Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 4 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05175Commonwealth Community Bank, Inc.830 South Main Street, Hartford, KY 42347July 05, 1928Full Service Brick and Mortar
    1217964Centertown BranchMain Street And Highway 69, Centertown, KY 42328November 11, 1967Full Service Brick and Mortar
    4244Fordsville Branch78 East Main Street, Fordsville, KY 42343October 01, 1906Full Service Brick and Mortar
    6362903Airport Branch340 Airport Road, Greenville, KY 42345December 31, 2001Full Service Brick and Mortar

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