Community Bank in city_name, state_name - Detailed Financial Reports, Location

Community Bank in Carmichaels, Pennsylvania (PA)
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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
WWW: http://www.communitybank.tv
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

No	ID	Name	Address	Established	Service Type
0	5046	Community Bank	100 Market Street, Carmichaels, PA 15320	July 01, 1901	Full Service Brick and Mortar
1	216798	Drive-In Branch	State Highway Routes 88 And 266, Greensboro, PA 15338	January 14, 1963	Limited Service Facility
2	216799	Waynesburg Branch	30 West Greene Street, Waynesburg, PA 15370	July 01, 1980	Full Service Brick and Mortar
3	216800	Central Branch	100 Miller Lane, Franklin Township, PA 15370	July 21, 1983	Full Service Brick and Mortar
4	216801	Pioneer Branch	First Street, Rogersville, PA 15359	July 01, 1987	Full Service Brick and Mortar
6	217041	Washington Branch	90 West Chestnut Street, Washington, PA 15301	March 01, 1974	Full Service Brick and Mortar
7	216803	Waterdam Centre Branch	4139 Washington Road, Mcmurray, PA 15317	January 31, 1994	Full Service Brick and Mortar
8	217262	Claysville Branch	200 Main Street, Claysville, PA 15323	November 25, 1946	Full Service Brick and Mortar
9	334471	Washington Mall Office Branch	301 Oak Spring Road, Washington Mall, Washington, PA 15301	March 20, 2000	Full Service Brick and Mortar
10	359935	Southpointe Branch	325 Southpointe Blvd, Suite 100, Canonsburg, PA 15317	November 06, 2000	Full Service Brick and Mortar
12	279195	Brookline Branch	714 Brookline Boulevard, Pittsburgh, PA 15226	June 29, 1943	Full Service Brick and Mortar

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

Community Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

Community Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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