FDIC Certificate #: 34245 Status: Active Federal Reserve ID: 2506056 Date Established: October 21, 1996 WWW:http://www.rbcb.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 15892 FDIC's unique #: 57004 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: Mortgage Lending Specialization Date of Deposit Insurance: October 21, 1996 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: 4650 First Avenue, Nitro, WV 25143 County: Putnam 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): Charleston, WV (#1480) Core Based Statistical Area (CBSA): Charleston, WV (#16620) CBSA Metro Statistical Area: Charleston, WV (#16620)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $75.9 mil Equity capital: $6.7 mil Deposits held in domestic offices: $67.0 mil Return on assets (ROA): 0.47% ($0.4 mil) Quarterly return on assets: 0.04% ($0.0 mil) Return on Equity (ROE): 5.44% ($0.4 mil) Quarterly return on equity: 0.42% ($0.0 mil) Net income: $0.3 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.57% ($432.6 mil) Quarterly Pretax return on assets: -0.32% (-$242.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
19Total employees (full-time equivalent)
$75,895Total assets
$1,923Cash and due from depository institutions
$284Interest-bearing balances
$17,720Securities
$3,910Federal funds sold & reverse repurchase agreements
$50,003Net loans & leases
$535Loan loss allowance
$0Trading account assets
$1,012Bank premises and fixed assets
$8Other real estate owned
$0Goodwill and other intangibles
$75,895Life insurance assets
$1,319All other assets
$69,185Total liabilities and capital
$66,987Total liabilities
$59,618Total deposits
$66,987Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,000Trading liabilities
$0Other borrowed funds
$198Subordinated debt
$6,710All other liabilities
$6,710Total equity capital
$6,710Total bank equity capital
$0Perpetual preferred stock
$1,379Common stock
$2,269Surplus
$3,062Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,250Income earned, not collected on loans
$0Earning assets
$291Long-term assets (5+ years)
$71,917Average Assets, year-to-date
$45,184Average Assets, quarterly
$75,267Volatile liabilities
$76,151Insider loans
$40,360FHLB advances
$76,295Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,416Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,261Restructured Loans and leases
$763Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,602Total interest income
$811Total interest expense
$2,791Net interest income
$247Provision for loan and lease losses
$293Total noninterest income
$0Fiduciary activities
$171Service charges on deposit accounts
$0Trading account gains & fees
$122Additional noninterest income
$2,408Total noninterest expense
$820Salaries and employee benefits
$281Premises and equipment expense
$1,307Additional noninterest expense
$429Pre-tax net operating income
$0Securities gains (losses)
$79Applicable income taxes
$350Income before extraordinary items
$0Extraordinary gains - net
$350Net income attributable to bank
$0Net charge-offs
$350Cash dividends
$271Sale, conversion, retirement of capital stock, net
$62Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.05%Yield on earning assets
1.14%Cost of funding earning assets
3.91%Net interest margin
0.41%Noninterest income to earning assets
3.38%Noninterest expense to earning assets
0.47%Net operating income to assets
0.47%Return on assets (ROA)
0.57%Pretax return on assets
5.44%Return on equity (ROE)
4.48%Retained earnings to average equity (YTD only)
0.53%Net charge-offs to loans
91.14%Credit loss provision to net charge-offs
2.49%Efficiency ratio
78,080Assets per employee
3.99%Cash dividends to net income (YTD only)
Condition Ratios (%)
17.71%Loss allowance to loans
1.06%Loss allowance to noncurrent loans
42.80%Noncurrent assets plus other real estate owned to assets
1.66%Noncurrent loans to loans
2.47%Net loans and leases to deposits
74.65%Net loans and leases to core deposits
100.37%Equity capital to assets
8.84%Core capital (leverage) ratio
8.41%Tier 1 risk-based capital ratio
15.90%Total risk-based capital ratio
Memoranda
$17Average assets
$75,267Average earning assets
$6,434Average equity
$71,325Average loans
List of branches
1 West Virginia Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
57004
Rock Branch Community Bank, Inc.
4650 First Avenue, Nitro, WV 25143
October 21, 1996
Full Service Brick and Mortar
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