Rock Branch Community Bank, Inc. in Nitro, West Virginia (WV)

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Rock Branch Community Bank, Inc. routing number info

Table of contents:
Rock Branch Community Bank, Inc.
GeneralFDIC Certificate #: 34245
Status: Active
Federal Reserve ID: 2506056
Date Established: October 21, 1996
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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)19
Total assets$75,895
Cash and due from depository institutions$1,923
Interest-bearing balances$284
Federal funds sold & reverse repurchase agreements$3,910
Net loans & leases$50,003
Loan loss allowance $535
Trading account assets$0
Bank premises and fixed assets$1,012
Other real estate owned$8
Goodwill and other intangibles$0
All other assets$1,319
Life insurance assets$75,895
Total liabilities and capital$69,185
Total liabilities$66,987
Total deposits$59,618
Interest-bearing deposits$66,987
Deposits held in domestic offices$95
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,000
Other borrowed funds $0
Subordinated debt $198
All other liabilities $6,710
Total equity capital$6,710
Total bank equity capital$6,710
Perpetual preferred stock$0
Common stock$1,379
Undivided profits $3,062
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 $1,250
Earning assets $0
Long-term assets (5+ years) $291
Average Assets, year-to-date $71,917
Average Assets, quarterly $45,184
Volatile liabilities $75,267
Insider loans $76,151
FHLB advances $40,360
Loans and leases held for sale $76,295
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $6,416
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $4,261
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,602
Total interest expense $811
Net interest income $2,791
Provision for loan and lease losses $247
Total noninterest income $293
Fiduciary activities $0
Service charges on deposit accounts $171
Trading account gains & fees $0
Additional noninterest income $122
Total noninterest expense $2,408
Salaries and employee benefits $820
Premises and equipment expense $281
Additional noninterest expense $1,307
Pre-tax net operating income $429
Securities gains (losses) $0
Applicable income taxes $79
Income before extraordinary items $350
Extraordinary gains - net $0
Net income attributable to bank $350
Net charge-offs $0
Cash dividends $350
Sale, conversion, retirement of capital stock, net $271
Net operating income $62
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.05%
Cost of funding earning assets 1.14%
Net interest margin 3.91%
Noninterest income to earning assets 0.41%
Noninterest expense to earning assets 3.38%
Net operating income to assets 0.47%
Return on assets (ROA) 0.47%
Pretax return on assets 0.57%
Return on equity (ROE) 5.44%
Retained earnings to average equity (YTD only) 4.48%
Net charge-offs to loans 0.53%
Credit loss provision to net charge-offs 91.14%
Efficiency ratio2.49%
Assets per employee$78,080
Cash dividends to net income (YTD only)3.99%
Condition Ratios (%)
Loss allowance to loans 17.71%
Loss allowance to noncurrent loans 1.06%
Noncurrent assets plus other real estate owned to assets 42.80%
Noncurrent loans to loans 1.66%
Net loans and leases to deposits2.47%
Net loans and leases to core deposits 74.65%
Equity capital to assets 100.37%
Core capital (leverage) ratio 8.84%
Tier 1 risk-based capital ratio 8.41%
Total risk-based capital ratio 15.90%
Average assets$17
Average earning assets$75,267
Average equity $6,434
Average loans $71,325
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1 West Virginia Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
057004Rock Branch Community Bank, Inc.4650 First Avenue, Nitro, WV 25143October 21, 1996Full Service Brick and Mortar
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