Community Bank of Parkersburg in Parkersburg, West Virginia (WV)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Community Bank of Parkersburg in Parkersburg, West Virginia (WV)
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Community Bank of Parkersburg - Overview

  • General
  • FDIC Certificate #: 19681
    Status: Active
    Federal Reserve ID: 901134
    Bank Holding Company (Regulatory Top Holder): Community Bankshares, Inc. (RSSDID: 1479144, Location: Parkersburg, WV)
    Date Established: March 01, 1967
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 9628
    FDIC's unique #: 13480
    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: Mortgage Lending Specialization
    Date of Deposit Insurance: March 01, 1967
    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: 631 Juliana Street, Parkersburg, WV 26101
    County: Wood
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Scott Depot
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Parkersburg-Marietta, WV-OH (#6020)
    Core Based Statistical Area (CBSA): Parkersburg-Marietta-Vienna, WV-OH (#37620)
    CBSA Metro Statistical Area: Parkersburg-Marietta-Vienna, WV-OH (#37620)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $234.5 mil
    Equity capital: $22.9 mil
    Deposits held in domestic offices: $160.4 mil
    Return on assets (ROA): 1.55% ($3.6 mil)
    Quarterly return on assets: 1.35% ($3.2 mil)
    Return on Equity (ROE): 15.74% ($3.6 mil)
    Quarterly return on equity: 13.63% ($3.1 mil)
    Net income: $3.6 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 1.55% ($3,634.4 mil)
    Quarterly Pretax return on assets: 1.35% ($3,165.4 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
  • 57Total employees (full-time equivalent)
  • $234,476Total assets
  • $3,521Cash and due from depository institutions
  • $20Interest-bearing balances
  • $69,530Securities
  • $1,422Federal funds sold & reverse repurchase agreements
  • $152,772Net loans & leases
  • $1,575Loan loss allowance
  • $0Trading account assets
  • $2,692Bank premises and fixed assets
  • $175Other real estate owned
  • $0Goodwill and other intangibles
  • $234,476Life insurance assets
  • $4,364All other assets
  • $211,611Total liabilities and capital
  • $160,388Total liabilities
  • $130,638Total deposits
  • $160,388Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 6480.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $43,557Trading liabilities
  • $0Other borrowed funds
  • $1,186Subordinated debt
  • $22,865All other liabilities
  • $22,865Total equity capital
  • $22,865Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $700Surplus
  • $21,665Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,602Income earned, not collected on loans
  • $0Earning assets
  • $621Long-term assets (5+ years)
  • $223,744Average Assets, year-to-date
  • $91,923Average Assets, quarterly
  • $232,110Volatile liabilities
  • $235,381Insider loans
  • $128,778FHLB advances
  • $234,118Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $22,826Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,122Restructured Loans and leases
  • $1,863Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,234Total interest income
  • $2,667Total interest expense
  • $8,567Net interest income
  • $396Provision for loan and lease losses
  • $2,368Total noninterest income
  • $0Fiduciary activities
  • $681Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,687Additional noninterest income
  • $6,957Total noninterest expense
  • $3,338Salaries and employee benefits
  • $813Premises and equipment expense
  • $2,806Additional noninterest expense
  • $3,582Pre-tax net operating income
  • $8Securities gains (losses)
  • $0Applicable income taxes
  • $3,590Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,590Net income attributable to bank
  • $0Net charge-offs
  • $3,590Cash dividends
  • $212Sale, conversion, retirement of capital stock, net
  • $3,077Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.09%Yield on earning assets
  • 1.21%Cost of funding earning assets
  • 3.88%Net interest margin
  • 1.07%Noninterest income to earning assets
  • 3.15%Noninterest expense to earning assets
  • 1.54%Net operating income to assets
  • 1.55%Return on assets (ROA)
  • 1.55%Pretax return on assets
  • 15.74%Return on equity (ROE)
  • 2.25%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 186.79%Credit loss provision to net charge-offs
  • 18.76%Efficiency ratio
  • 63,621Assets per employee
  • 4.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 85.71%Loss allowance to loans
  • 1.02%Loss allowance to noncurrent loans
  • 98.31%Noncurrent assets plus other real estate owned to assets
  • 0.76%Noncurrent loans to loans
  • 1.04%Net loans and leases to deposits
  • 95.25%Net loans and leases to core deposits
  • 98.54%Equity capital to assets
  • 9.75%Core capital (leverage) ratio
  • 9.75%Tier 1 risk-based capital ratio
  • 17.73%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $232,110Average earning assets
  • $22,813Average equity
  • $220,676Average loans

List of branches

  • 4 West Virginia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013480Community Bank Of Parkersburg631 Juliana Street, Parkersburg, WV 26101March 01, 1967Full Service Brick and Mortar
    1249210Vienna Branch2400 Grand Central Avenue, Vienna, WV 26105August 07, 1987Full Service Brick and Mortar
    2249211Emerson Avenue Branch3906 Emerson Avenue, Parkersburg, WV 26104December 20, 1993Full Service Brick and Mortar
    3360630South Parkersburg Branch1620 Blizzard Drive, Parkersburg, WV 26101January 15, 2001Full Service Brick and Mortar

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