Community Bank & Trust in city_name, state_name - Detailed Financial Reports, Location

Community Bank & Trust in Clarksburg, West Virginia (WV)
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Community Bank & Trust - Overview

General
FDIC Certificate #: 19803
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Huntington National Bank West Virginia (#14289)
Federal Reserve ID: 953227
Date Established: March 25, 1968
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 24 (Interstate: No)
OTS Docket #: 9998
FDIC's unique #: 13597
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
Oakar Institutions: Yes
State Chartered: Yes
Date of Deposit Insurance: March 25, 1968
Last Structure Change Effective Date: November 19, 1993
Last Structure Change Process Date: December 02, 1993
Last Data Update: December 02, 1993
Data Source Date: April 05, 2012
Location
Address: 230 West Pike Street, Clarksburg, WV 26301
County: Harrison
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
Combined Statistical Area (CSA): Fairmont-Clarksburg, WV (#242)
Core Based Statistical Area (CBSA): Clarksburg, WV (#17220)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $633.5 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$104Total assets
$217,763Cash and due from depository institutions
$18,049Interest-bearing balances
$10,829Securities
$105,583Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$86,414Loan loss allowance
$1,914Trading account assets
$0Bank premises and fixed assets
$4,324Other real estate owned
$604Goodwill and other intangibles
$2,606Life insurance assets
$183All other assets
$0Total liabilities and capital
$217,763Total liabilities
$195,965Total deposits
$171,030Interest-bearing deposits
$149,186Deposits held in domestic offices
171030.00%% insured (estimated)
$89Federal funds purchased & repurchase agreements
$21,259Trading liabilities
$0Other borrowed funds
$2,000Subordinated debt
$0All other liabilities
$1,676Total equity capital
$1,676Total bank equity capital
$21,798Perpetual preferred stock
$0Common stock
$578Surplus
$9,352Undivided profits
Memoranda
$11,868Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$505Income earned, not collected on loans
$504Earning assets
$202,826Long-term assets (5+ years)
$76,752Average Assets, year-to-date
$210,777Average Assets, quarterly
$217,069Volatile liabilities
$27,700Insider loans
$1,297FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$23,380Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$21,615Total risk weighted assets
$112,953Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$16,463Total interest expense
$7,035Net interest income
$9,428Provision for loan and lease losses
$343Total noninterest income
$1,240Fiduciary activities
$0Service charges on deposit accounts
$646Trading account gains & fees
$0Additional noninterest income
$594Total noninterest expense
$6,304Salaries and employee benefits
$2,383Premises and equipment expense
$704Additional noninterest expense
$3,217Pre-tax net operating income
$4,021Securities gains (losses)
$157Applicable income taxes
$1,453Income before extraordinary items
$2,725Extraordinary gains - net
$0Net income attributable to bank
$2,725Net charge-offs
$138Cash dividends
$1,390Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.39%Cost of funding earning assets
3.59%Net interest margin
4.80%Noninterest income to earning assets
0.63%Noninterest expense to earning assets
3.21%Net operating income to assets
1.24%Return on assets (ROA)
1.29%Pretax return on assets
1.98%Return on equity (ROE)
12.89%Retained earnings to average equity (YTD only)
6.31%Net charge-offs to loans
0.16%Credit loss provision to net charge-offs
248.55%Efficiency ratio
58,605Assets per employee
2.09%Cash dividends to net income (YTD only)
Condition Ratios (%)
51.01%Loss allowance to loans
2.17%Loss allowance to noncurrent loans
379.01%Noncurrent assets plus other real estate owned to assets
0.51%Noncurrent loans to loans
0.57%Net loans and leases to deposits
50.53%Net loans and leases to core deposits
51.87%Equity capital to assets
10.01%Core capital (leverage) ratio
10.08%Tier 1 risk-based capital ratio
19.14%Total risk-based capital ratio
Memoranda
$20Average assets
$210,777Average earning assets
$21,146Average equity
$196,231Average loans

Community Bank & Trust in Clarksburg, West Virginia (WV)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community Bank & Trust - Overview

Assets and Liabilities (December 31, 1992)

Income and Expense (December 31, 1992)

Performance and Condition Ratios (December 31, 1992)

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

Community Bank & Trust in Clarksburg, West Virginia (WV)Overview, Financial Summary, Detailed Financial Reports, Branches

Community Bank & Trust - Overview

Assets and Liabilities (December 31, 1992)

Income and Expense (December 31, 1992)

Performance and Condition Ratios (December 31, 1992)

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

Community Bank & Trust in Clarksburg, West Virginia (WV)
Overview, Financial Summary, Detailed Financial Reports, Branches