Community Bank in Carmichaels, Pennsylvania (PA)

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Community Bank
GeneralFDIC Certificate #: 7848
Status: Active
Federal Reserve ID: 371924
Bank Holding Company (Regulatory Top Holder): Cb Financial Services, Inc. (RSSDID: 3333718, Location: Carmichaels, PA)
Date Established: July 01, 1901
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 11 (Domestic: 11, Interstate: No)
OTS Docket #: 9710
FDIC's unique #: 5046
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: January 01, 1934
Last Structure Change Effective Date: November 19, 2009
Last Structure Change Process Date: November 19, 2009
Last Data Update: November 19, 2009
Data Source Date: April 05, 2012
LocationAddress: 100 Market Street, Carmichaels, PA 15320
County: Greene
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Wexford
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Financial SummaryTotal assets: $533.5 mil
Equity capital: $41.3 mil
Deposits held in domestic offices: $450.9 mil
Return on assets (ROA): 0.88% ($4.7 mil)
Quarterly return on assets: 0.85% ($4.5 mil)
Return on Equity (ROE): 11.03% ($4.5 mil)
Quarterly return on equity: 10.76% ($4.4 mil)
Net income: $4.4 mil
Quarterly Net income: $1.1 mil
Pretax return on assets: 1.05% ($5,602.2 mil)
Quarterly Pretax return on assets: 1.00% ($5,335.4 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)
Total employees (full-time equivalent)128
Total assets$533,540
Cash and due from depository institutions$42,462
Interest-bearing balances$33,508
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$334,378
Loan loss allowance $5,878
Trading account assets$0
Bank premises and fixed assets$4,179
Other real estate owned$661
Goodwill and other intangibles$2,608
All other assets$13,501
Life insurance assets$533,540
Total liabilities and capital$492,192
Total liabilities$450,883
Total deposits$358,244
Interest-bearing deposits$450,883
Deposits held in domestic offices$72
% insured (estimated)28018.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$11,461
Other borrowed funds $0
Subordinated debt $1,830
All other liabilities $41,348
Total equity capital$41,348
Total bank equity capital$41,348
Perpetual preferred stock$0
Common stock$980
Undivided profits $37,767
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $5,495
Earning assets $0
Long-term assets (5+ years) $1,963
Average Assets, year-to-date $503,637
Average Assets, quarterly $256,214
Volatile liabilities $501,840
Insider loans $521,610
FHLB advances $324,587
Loans and leases held for sale $515,173
Unused loan commitments $8,198
Tier 1 (core) risk-based capital $4,695
Tier 2 risk-based capital $37,647
Total risk weighted assets $0
Total unused commitments $3,503
Restructured Loans and leases $68,843
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $20,190
Total interest expense $4,492
Net interest income $15,698
Provision for loan and lease losses $975
Total noninterest income $3,303
Fiduciary activities $0
Service charges on deposit accounts $1,349
Trading account gains & fees $0
Additional noninterest income $1,954
Total noninterest expense $12,721
Salaries and employee benefits $6,969
Premises and equipment expense $1,829
Additional noninterest expense $3,923
Pre-tax net operating income $5,305
Securities gains (losses) $0
Applicable income taxes $894
Income before extraordinary items $4,411
Extraordinary gains - net $0
Net income attributable to bank $4,397
Net charge-offs $14
Cash dividends $4,411
Sale, conversion, retirement of capital stock, net $358
Net operating income $2,004
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.28%
Cost of funding earning assets 0.95%
Net interest margin 3.33%
Noninterest income to earning assets 0.70%
Noninterest expense to earning assets 2.70%
Net operating income to assets 0.88%
Return on assets (ROA) 0.88%
Pretax return on assets 1.05%
Return on equity (ROE) 11.03%
Retained earnings to average equity (YTD only) 6.00%
Net charge-offs to loans 0.11%
Credit loss provision to net charge-offs 272.35%
Efficiency ratio17.54%
Assets per employee$66,633
Cash dividends to net income (YTD only)4.17%
Condition Ratios (%)
Loss allowance to loans 45.58%
Loss allowance to noncurrent loans 1.73%
Noncurrent assets plus other real estate owned to assets 106.97%
Noncurrent loans to loans 1.15%
Net loans and leases to deposits1.61%
Net loans and leases to core deposits 74.16%
Equity capital to assets 76.44%
Core capital (leverage) ratio 7.75%
Tier 1 risk-based capital ratio 7.31%
Total risk-based capital ratio 11.60%
Average assets$13
Average earning assets$501,840
Average equity $39,851
Average loans $471,468
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$2,190
Number of Accounts1
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts2
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$2,190
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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11 Pennsylvania Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
05046Community Bank100 Market Street, Carmichaels, PA 15320July 01, 1901Full Service Brick and Mortar
1216798Drive-In BranchState Highway Routes 88 And 266, Greensboro, PA 15338January 14, 1963Limited Service Facility
2216799Waynesburg Branch30 West Greene Street, Waynesburg, PA 15370July 01, 1980Full Service Brick and Mortar
3216800Central Branch100 Miller Lane, Franklin Township, PA 15370July 21, 1983Full Service Brick and Mortar
4216801Pioneer BranchFirst Street, Rogersville, PA 15359July 01, 1987Full Service Brick and Mortar
6217041Washington Branch90 West Chestnut Street, Washington, PA 15301March 01, 1974Full Service Brick and Mortar
7216803Waterdam Centre Branch4139 Washington Road, Mcmurray, PA 15317January 31, 1994Full Service Brick and Mortar
8217262Claysville Branch200 Main Street, Claysville, PA 15323November 25, 1946Full Service Brick and Mortar
9334471Washington Mall Office Branch301 Oak Spring Road, Washington Mall, Washington, PA 15301March 20, 2000Full Service Brick and Mortar
10359935Southpointe Branch325 Southpointe Blvd, Suite 100, Canonsburg, PA 15317November 06, 2000Full Service Brick and Mortar
12279195Brookline Branch714 Brookline Boulevard, Pittsburgh, PA 15226June 29, 1943Full Service Brick and Mortar
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