Commonwealth Community Bank, Inc. in city_name, state_name - Detailed Financial Reports, Location

Commonwealth Community Bank, Inc. in Hartford, Kentucky (KY)
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Commonwealth Community Bank, Inc. routing number info

Commonwealth Community Bank, Inc. - Overview

General
FDIC Certificate #: 8126
Status: Active
Federal Reserve ID: 541642
Bank Holding Company (Regulatory Top Holder): Ohio County Community Bancshares, Inc. (RSSDID: 1951127, Location: Hartford, KY)
Date Established: July 05, 1928
WWW: http://www.cwcbank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 9128
FDIC's unique #: 5175
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: Other Specialized Lending < 1 Billion
Date of Deposit Insurance: January 01, 1934
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: 830 South Main Street, Hartford, KY 42347
County: Ohio
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Hopkinsville
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Southeast
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $157.5 mil
Equity capital: $21.1 mil
Deposits held in domestic offices: $122.4 mil
Return on assets (ROA): 1.41% ($2.2 mil)
Quarterly return on assets: 0.93% ($1.5 mil)
Return on Equity (ROE): 11.24% ($2.4 mil)
Quarterly return on equity: 6.71% ($1.4 mil)
Net income: $2.2 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.43% ($2,251.9 mil)
Quarterly Pretax return on assets: 1.02% ($1,606.2 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
36Total employees (full-time equivalent)
$157,474Total assets
$3,471Cash and due from depository institutions
$297Interest-bearing balances
$83,720Securities
$1,546Federal funds sold & reverse repurchase agreements
$57,235Net loans & leases
$874Loan loss allowance
$0Trading account assets
$3,137Bank premises and fixed assets
$347Other real estate owned
$0Goodwill and other intangibles
$157,474Life insurance assets
$8,018All other assets
$136,332Total liabilities and capital
$122,436Total liabilities
$100,896Total deposits
$122,436Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$11,335Trading liabilities
$0Other borrowed funds
$2,561Subordinated debt
$21,142All other liabilities
$21,142Total equity capital
$21,142Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$2,800Surplus
$18,142Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$237Income earned, not collected on loans
$0Earning assets
$1,273Long-term assets (5+ years)
$142,798Average Assets, year-to-date
$101,962Average Assets, quarterly
$153,071Volatile liabilities
$156,292Insider loans
$87,710FHLB advances
$156,443Loans and leases held for sale
$4,594Unused loan commitments
$4,594Tier 1 (core) risk-based capital
$17,893Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,777Restructured Loans and leases
$917Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$7,361Total interest income
$1,629Total interest expense
$5,732Net interest income
$120Provision for loan and lease losses
$743Total noninterest income
$0Fiduciary activities
$449Service charges on deposit accounts
$0Trading account gains & fees
$294Additional noninterest income
$4,181Total noninterest expense
$2,065Salaries and employee benefits
$468Premises and equipment expense
$1,648Additional noninterest expense
$2,174Pre-tax net operating income
$11Securities gains (losses)
$34Applicable income taxes
$2,151Income before extraordinary items
$0Extraordinary gains - net
$2,151Net income attributable to bank
$0Net charge-offs
$2,151Cash dividends
$120Sale, conversion, retirement of capital stock, net
$1,666Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.30%Yield on earning assets
1.17%Cost of funding earning assets
4.13%Net interest margin
0.54%Noninterest income to earning assets
3.01%Noninterest expense to earning assets
1.40%Net operating income to assets
1.41%Return on assets (ROA)
1.43%Pretax return on assets
11.24%Return on equity (ROE)
2.54%Retained earnings to average equity (YTD only)
0.20%Net charge-offs to loans
100.00%Credit loss provision to net charge-offs
19.12%Efficiency ratio
64,571Assets per employee
4.37%Cash dividends to net income (YTD only)
Condition Ratios (%)
77.45%Loss allowance to loans
1.50%Loss allowance to noncurrent loans
368.78%Noncurrent assets plus other real estate owned to assets
0.37%Noncurrent loans to loans
0.41%Net loans and leases to deposits
46.75%Net loans and leases to core deposits
49.24%Equity capital to assets
13.43%Core capital (leverage) ratio
11.44%Tier 1 risk-based capital ratio
20.40%Total risk-based capital ratio
Memoranda
$21Average assets
$153,071Average earning assets
$19,132Average equity
$138,793Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$5,835Managed Assets
1Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
2Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$5,835Other retirement accounts
$5,835Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

4 Kentucky Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	5175	Commonwealth Community Bank, Inc.	830 South Main Street, Hartford, KY 42347	July 05, 1928	Full Service Brick and Mortar
1	217964	Centertown Branch	Main Street And Highway 69, Centertown, KY 42328	November 11, 1967	Full Service Brick and Mortar
4	244	Fordsville Branch	78 East Main Street, Fordsville, KY 42343	October 01, 1906	Full Service Brick and Mortar
6	362903	Airport Branch	340 Airport Road, Greenville, KY 42345	December 31, 2001	Full Service Brick and Mortar

Commonwealth Community Bank, Inc. in Hartford, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

Commonwealth Community Bank, Inc. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Commonwealth Community Bank, Inc. in Hartford, Kentucky (KY)Overview, Financial Summary, Detailed Financial Reports, Branches

Commonwealth Community Bank, Inc. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Commonwealth Community Bank, Inc. in Hartford, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches