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

This bank is inactive as of June 30, 1993

  • Community Bank & Trust, National Association in Fairmont, West Virginia (WV)
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Community Bank & Trust, National Association - Overview

  • General
  • FDIC Certificate #: 17342
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Community Bank & Trust (#19803)
    Federal Reserve ID: 484226
    Date Established: August 02, 1954
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 14 (Interstate: No)
    OTS Docket #: 9490
    FDIC's unique #: 11352
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: August 02, 1954
    Last Structure Change Effective Date: June 30, 1993
    Last Structure Change Process Date: September 01, 1993
    Last Data Update: September 01, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 103 Adams Street, Fairmont, WV 26554
    County: Marion
    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): Fairmont, WV (#21900)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $361.6 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $173Total assets
  • $367,015Cash and due from depository institutions
  • $31,937Interest-bearing balances
  • $23,323Securities
  • $181,403Federal funds sold & reverse repurchase agreements
  • $825Net loans & leases
  • $134,399Loan loss allowance
  • $2,397Trading account assets
  • $0Bank premises and fixed assets
  • $7,870Other real estate owned
  • $1,290Goodwill and other intangibles
  • $5,947Life insurance assets
  • $3,344All other assets
  • $0Total liabilities and capital
  • $367,015Total liabilities
  • $338,622Total deposits
  • $308,037Interest-bearing deposits
  • $280,300Deposits held in domestic offices
  • 308037.00%% insured (estimated)
  • $92Federal funds purchased & repurchase agreements
  • $18,477Trading liabilities
  • $0Other borrowed funds
  • $9,641Subordinated debt
  • $0All other liabilities
  • $2,467Total equity capital
  • $2,467Total bank equity capital
  • $28,393Perpetual preferred stock
  • $0Common stock
  • $3,003Surplus
  • $8,749Undivided profits
  • Memoranda
  • $16,641Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $929Income earned, not collected on loans
  • $777Earning assets
  • $339,950Long-term assets (5+ years)
  • $37,241Average Assets, year-to-date
  • $361,954Average Assets, quarterly
  • $364,094Volatile liabilities
  • $33,550Insider loans
  • $556FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $14,263Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $25,049Total risk weighted assets
  • $182,046Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $28,624Total interest expense
  • $14,218Net interest income
  • $14,406Provision for loan and lease losses
  • $1,076Total noninterest income
  • $3,290Fiduciary activities
  • $298Service charges on deposit accounts
  • $860Trading account gains & fees
  • $0Additional noninterest income
  • $2,132Total noninterest expense
  • $11,754Salaries and employee benefits
  • $3,653Premises and equipment expense
  • $1,052Additional noninterest expense
  • $7,049Pre-tax net operating income
  • $4,866Securities gains (losses)
  • $129Applicable income taxes
  • $1,120Income before extraordinary items
  • $3,875Extraordinary gains - net
  • $0Net income attributable to bank
  • $3,875Net charge-offs
  • $581Cash dividends
  • $1,779Sale, 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
  • 8.59%Cost of funding earning assets
  • 4.27%Net interest margin
  • 4.33%Noninterest income to earning assets
  • 0.99%Noninterest expense to earning assets
  • 3.53%Net operating income to assets
  • 1.04%Return on assets (ROA)
  • 1.07%Pretax return on assets
  • 1.38%Return on equity (ROE)
  • 14.14%Retained earnings to average equity (YTD only)
  • 7.65%Net charge-offs to loans
  • 0.43%Credit loss provision to net charge-offs
  • 185.20%Efficiency ratio
  • 63,653Assets per employee
  • 2.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.91%Loss allowance to loans
  • 1.75%Loss allowance to noncurrent loans
  • 258.02%Noncurrent assets plus other real estate owned to assets
  • 0.60%Noncurrent loans to loans
  • 0.68%Net loans and leases to deposits
  • 43.63%Net loans and leases to core deposits
  • 44.41%Equity capital to assets
  • 7.74%Core capital (leverage) ratio
  • 6.94%Tier 1 risk-based capital ratio
  • 13.76%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $361,954Average earning assets
  • $27,403Average equity
  • $333,059Average loans

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