Community Bank of Parkersburg in Parkersburg, West Virginia (WV)



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Table of contents:
Community Bank of Parkersburg
GeneralFDIC 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
WWW: http://www.communitybankpkbg.com
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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)57
Total assets$234,476
Cash and due from depository institutions$3,521
Interest-bearing balances$20
Securities$69,530
Federal funds sold & reverse repurchase agreements$1,422
Net loans & leases$152,772
Loan loss allowance $1,575
Trading account assets$0
Bank premises and fixed assets$2,692
Other real estate owned$175
Goodwill and other intangibles$0
All other assets$4,364
Life insurance assets$234,476
Total liabilities and capital$211,611
Total liabilities$160,388
Total deposits$130,638
Interest-bearing deposits$160,388
Deposits held in domestic offices$97
% insured (estimated)6480.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$43,557
Other borrowed funds $0
Subordinated debt $1,186
All other liabilities $22,865
Total equity capital$22,865
Total bank equity capital$22,865
Perpetual preferred stock$0
Common stock$500
Surplus$700
Undivided profits $21,665
Memoranda
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 $1,602
Earning assets $0
Long-term assets (5+ years) $621
Average Assets, year-to-date $223,744
Average Assets, quarterly $91,923
Volatile liabilities $232,110
Insider loans $235,381
FHLB advances $128,778
Loans and leases held for sale $234,118
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $22,826
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $16,122
Derivatives$1,863
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $11,234
Total interest expense $2,667
Net interest income $8,567
Provision for loan and lease losses $396
Total noninterest income $2,368
Fiduciary activities $0
Service charges on deposit accounts $681
Trading account gains & fees $0
Additional noninterest income $1,687
Total noninterest expense $6,957
Salaries and employee benefits $3,338
Premises and equipment expense $813
Additional noninterest expense $2,806
Pre-tax net operating income $3,582
Securities gains (losses) $8
Applicable income taxes $0
Income before extraordinary items $3,590
Extraordinary gains - net $0
Net income attributable to bank $3,590
Net charge-offs $0
Cash dividends $3,590
Sale, conversion, retirement of capital stock, net $212
Net operating income $3,077
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.09%
Cost of funding earning assets 1.21%
Net interest margin 3.88%
Noninterest income to earning assets 1.07%
Noninterest expense to earning assets 3.15%
Net operating income to assets 1.54%
Return on assets (ROA) 1.55%
Pretax return on assets 1.55%
Return on equity (ROE) 15.74%
Retained earnings to average equity (YTD only) 2.25%
Net charge-offs to loans 0.14%
Credit loss provision to net charge-offs 186.79%
Efficiency ratio18.76%
Assets per employee$63,621
Cash dividends to net income (YTD only)4.11%
Condition Ratios (%)
Loss allowance to loans 85.71%
Loss allowance to noncurrent loans 1.02%
Noncurrent assets plus other real estate owned to assets 98.31%
Noncurrent loans to loans 0.76%
Net loans and leases to deposits1.04%
Net loans and leases to core deposits 95.25%
Equity capital to assets 98.54%
Core capital (leverage) ratio 9.75%
Tier 1 risk-based capital ratio 9.75%
Total risk-based capital ratio 17.73%
Memoranda
Average assets$19
Average earning assets$232,110
Average equity $22,813
Average loans $220,676
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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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