Community Bankers' Bank in Midlothian, Virginia (VA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Community Bankers' Bank in Midlothian, Virginia (VA)
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Community Bankers' Bank - Overview

  • General
  • FDIC Certificate #: 26871
    Status: Active
    Federal Reserve ID: 77422
    Bank Holding Company (Regulatory Top Holder): Cbb Financial Corp. (RSSDID: 3848632, Location: Midlothian, VA)
    Date Established: January 02, 1987
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 36151
    Numeric code: 13
    Regulator: FED
    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 02, 1987
    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: 2601 Promenade Parkway, Midlothian, VA 23113
    County: Chesterfield
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Richmond
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Richmond-Petersburg, VA (#6760)
    Core Based Statistical Area (CBSA): Richmond, VA (#40060)
    CBSA Metro Statistical Area: Richmond, VA (#40060)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $143.6 mil
    Equity capital: $15.0 mil
    Deposits held in domestic offices: $118.5 mil
    Return on assets (ROA): 0.35% ($0.5 mil)
    Quarterly return on assets: 0.21% ($0.3 mil)
    Return on Equity (ROE): 3.59% ($0.5 mil)
    Quarterly return on equity: 2.01% ($0.3 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.49% ($703.7 mil)
    Quarterly Pretax return on assets: 0.26% ($373.4 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
  • 23Total employees (full-time equivalent)
  • $143,618Total assets
  • $25,362Cash and due from depository institutions
  • $25,255Interest-bearing balances
  • $18,381Securities
  • $9,733Federal funds sold & reverse repurchase agreements
  • $80,531Net loans & leases
  • $3,117Loan loss allowance
  • $0Trading account assets
  • $1,122Bank premises and fixed assets
  • $1,970Other real estate owned
  • $0Goodwill and other intangibles
  • $143,618Life insurance assets
  • $6,519All other assets
  • $128,651Total liabilities and capital
  • $118,503Total liabilities
  • $54,335Total deposits
  • $118,503Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 8707.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,441Subordinated debt
  • $14,967All other liabilities
  • $14,967Total equity capital
  • $14,967Total bank equity capital
  • $0Perpetual preferred stock
  • $2,088Common stock
  • $6,489Surplus
  • $6,390Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,988Income earned, not collected on loans
  • $0Earning assets
  • $416Long-term assets (5+ years)
  • $133,900Average Assets, year-to-date
  • $21,233Average Assets, quarterly
  • $148,085Volatile liabilities
  • $144,808Insider loans
  • $94,743FHLB advances
  • $145,442Loans and leases held for sale
  • $3,513Unused loan commitments
  • $1,718Tier 1 (core) risk-based capital
  • $14,864Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,795Total unused commitments
  • $12,263Restructured Loans and leases
  • $816Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,240Total interest income
  • $640Total interest expense
  • $4,600Net interest income
  • $1,185Provision for loan and lease losses
  • $2,849Total noninterest income
  • $0Fiduciary activities
  • $1,953Service charges on deposit accounts
  • $0Trading account gains & fees
  • $896Additional noninterest income
  • $5,531Total noninterest expense
  • $2,499Salaries and employee benefits
  • $295Premises and equipment expense
  • $2,737Additional noninterest expense
  • $733Pre-tax net operating income
  • $0Securities gains (losses)
  • $208Applicable income taxes
  • $525Income before extraordinary items
  • $0Extraordinary gains - net
  • $525Net income attributable to bank
  • $0Net charge-offs
  • $525Cash dividends
  • $1,016Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.80%Yield on earning assets
  • 0.46%Cost of funding earning assets
  • 3.34%Net interest margin
  • 2.07%Noninterest income to earning assets
  • 4.01%Noninterest expense to earning assets
  • 0.35%Net operating income to assets
  • 0.35%Return on assets (ROA)
  • 0.49%Pretax return on assets
  • 3.59%Return on equity (ROE)
  • 3.59%Retained earnings to average equity (YTD only)
  • 1.26%Net charge-offs to loans
  • 116.63%Credit loss provision to net charge-offs
  • 1.89%Efficiency ratio
  • 74,252Assets per employee
  • 6.24%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.73%Loss allowance to noncurrent loans
  • 156.79%Noncurrent assets plus other real estate owned to assets
  • 2.76%Noncurrent loans to loans
  • 2.38%Net loans and leases to deposits
  • 67.96%Net loans and leases to core deposits
  • 85.57%Equity capital to assets
  • 10.42%Core capital (leverage) ratio
  • 10.22%Tier 1 risk-based capital ratio
  • 15.69%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $148,085Average earning assets
  • $14,628Average equity
  • $137,791Average loans

List of branches

  • 1 Virginia Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    036151Community Bankers' Bank2601 Promenade Parkway, Midlothian, VA 23113January 02, 1987Full Service Brick and Mortar

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