Community Bank in Carmichaels, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Summary
  • Total 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
  • 128Total employees (full-time equivalent)
  • $533,540Total assets
  • $42,462Cash and due from depository institutions
  • $33,508Interest-bearing balances
  • $135,751Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $334,378Net loans & leases
  • $5,878Loan loss allowance
  • $0Trading account assets
  • $4,179Bank premises and fixed assets
  • $661Other real estate owned
  • $2,608Goodwill and other intangibles
  • $533,540Life insurance assets
  • $13,501All other assets
  • $492,192Total liabilities and capital
  • $450,883Total liabilities
  • $358,244Total deposits
  • $450,883Interest-bearing deposits
  • $72Deposits held in domestic offices
  • 28018.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $11,461Trading liabilities
  • $0Other borrowed funds
  • $1,830Subordinated debt
  • $41,348All other liabilities
  • $41,348Total equity capital
  • $41,348Total bank equity capital
  • $0Perpetual preferred stock
  • $980Common stock
  • $2,601Surplus
  • $37,767Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,495Income earned, not collected on loans
  • $0Earning assets
  • $1,963Long-term assets (5+ years)
  • $503,637Average Assets, year-to-date
  • $256,214Average Assets, quarterly
  • $501,840Volatile liabilities
  • $521,610Insider loans
  • $324,587FHLB advances
  • $515,173Loans and leases held for sale
  • $8,198Unused loan commitments
  • $4,695Tier 1 (core) risk-based capital
  • $37,647Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,503Total unused commitments
  • $68,843Restructured Loans and leases
  • $3,299Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $20,190Total interest income
  • $4,492Total interest expense
  • $15,698Net interest income
  • $975Provision for loan and lease losses
  • $3,303Total noninterest income
  • $0Fiduciary activities
  • $1,349Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,954Additional noninterest income
  • $12,721Total noninterest expense
  • $6,969Salaries and employee benefits
  • $1,829Premises and equipment expense
  • $3,923Additional noninterest expense
  • $5,305Pre-tax net operating income
  • $0Securities gains (losses)
  • $894Applicable income taxes
  • $4,411Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,397Net income attributable to bank
  • $14Net charge-offs
  • $4,411Cash dividends
  • $358Sale, conversion, retirement of capital stock, net
  • $2,004Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.28%Yield on earning assets
  • 0.95%Cost of funding earning assets
  • 3.33%Net interest margin
  • 0.70%Noninterest income to earning assets
  • 2.70%Noninterest expense to earning assets
  • 0.88%Net operating income to assets
  • 0.88%Return on assets (ROA)
  • 1.05%Pretax return on assets
  • 11.03%Return on equity (ROE)
  • 6.00%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 272.35%Credit loss provision to net charge-offs
  • 17.54%Efficiency ratio
  • 66,633Assets per employee
  • 4.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.58%Loss allowance to loans
  • 1.73%Loss allowance to noncurrent loans
  • 106.97%Noncurrent assets plus other real estate owned to assets
  • 1.15%Noncurrent loans to loans
  • 1.61%Net loans and leases to deposits
  • 74.16%Net loans and leases to core deposits
  • 76.44%Equity capital to assets
  • 7.75%Core capital (leverage) ratio
  • 7.31%Tier 1 risk-based capital ratio
  • 11.60%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $501,840Average earning assets
  • $39,851Average equity
  • $471,468Average 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
  • $2,190Managed 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
  • $2,190Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 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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