- bankencyclopedia.com
- Banks in West Virginia (WV)
- F & M Bank-Keyser, Inc.
F & M Bank-Keyser, Inc. in Keyser, West Virginia (WV)
Overview, Financial Summary, Detailed Financial Reports, Branches
This bank is inactive as of April 03, 1998
- F & M Bank-Keyser, Inc. in Keyser, West Virginia (WV)
-
Show street view
No street view available for this location
F & M Bank-Keyser, Inc. - Overview
- General
- FDIC Certificate #: 2449
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: F & M Bank-West Virginia, Inc. (#16804)
Federal Reserve ID: 235222
Date Established: August 01, 1911
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 3 (Interstate: No)
FDIC's unique #: 1604
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: April 03, 1998
Last Structure Change Process Date: April 08, 1998
Last Data Update: April 11, 1998
Data Source Date: April 05, 2012 - Location
- Address: 87 North Main Street, Keyser, WV 26726
County: Mineral
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): Cumberland, MD-WV (#1900)
Core Based Statistical Area (CBSA): Cumberland, MD-WV (#19060)
CBSA Metro Statistical Area: Cumberland, MD-WV (#19060) - Financial Summary
- Total assets: $99.4 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
- Dollar figures in thousands
- 40Total employees (full-time equivalent)
- $97,347Total assets
- $4,126Cash and due from depository institutions
- $0Interest-bearing balances
- $27,071Securities
- $0Federal funds sold & reverse repurchase agreements
- $64,340Net loans & leases
- $738Loan loss allowance
- $0Trading account assets
- $799Bank premises and fixed assets
- $77Other real estate owned
- $0Goodwill and other intangibles
- $0Life insurance assets
- $934All other assets
- $97,347Total liabilities and capital
- $84,754Total liabilities
- $82,580Total deposits
- $76,231Interest-bearing deposits
- $82,580Deposits held in domestic offices
- 0.00%% insured (estimated)
- $800Federal funds purchased & repurchase agreements
- $0Trading liabilities
- $290Other borrowed funds
- $0Subordinated debt
- $1,084All other liabilities
- $12,593Total equity capital
- $12,593Total bank equity capital
- $12,593Perpetual preferred stock
- $0Common stock
- $1,287Surplus
- $1,091Undivided profits
- Memoranda
- $10,215Noncurrent loans and leases
- $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
- $0Income earned, not collected on loans
- $33Earning assets
- $0Long-term assets (5+ years)
- $300Average Assets, year-to-date
- $91,411Average Assets, quarterly
- $17,853Volatile liabilities
- $95,490Insider loans
- $96,868FHLB advances
- $4,365Loans and leases held for sale
- $163Unused loan commitments
- $0Tier 1 (core) risk-based capital
- $0Tier 2 risk-based capital
- $0Total risk weighted assets
- $5,841Total unused commitments
- $0Restructured Loans and leases
- $55,303Derivatives
Income and Expense (December 31, 1997)
- Dollar figures in thousands
- $7,445Total interest income
- $3,025Total interest expense
- $4,420Net interest income
- $64Provision for loan and lease losses
- $361Total noninterest income
- $0Fiduciary activities
- $156Service charges on deposit accounts
- $0Trading account gains & fees
- $205Additional noninterest income
- $2,408Total noninterest expense
- $1,141Salaries and employee benefits
- $312Premises and equipment expense
- $955Additional noninterest expense
- $2,309Pre-tax net operating income
- $0Securities gains (losses)
- $879Applicable income taxes
- $1,430Income before extraordinary items
- $0Extraordinary gains - net
- $1,430Net income attributable to bank
- $0Net charge-offs
- $0Cash dividends
- $150Sale, conversion, retirement of capital stock, net
- $801Net operating income
Performance and Condition Ratios (December 31, 1997)
- Dollar figures in thousands
- Performance Ratios (%, annualized)
- 8.38%Yield on earning assets
- 3.40%Cost of funding earning assets
- 4.97%Net interest margin
- 0.41%Noninterest income to earning assets
- 2.71%Noninterest expense to earning assets
- 1.50%Net operating income to assets
- 1.50%Return on assets (ROA)
- 2.42%Pretax return on assets
- 11.63%Return on equity (ROE)
- 5.12%Retained earnings to average equity (YTD only)
- 0.23%Net charge-offs to loans
- 42.67%Credit loss provision to net charge-offs
- 15.82%Efficiency ratio
- 50,366Assets per employee
- 2.43%Cash dividends to net income (YTD only)
- Condition Ratios (%)
- 56.01%Loss allowance to loans
- 1.13%Loss allowance to noncurrent loans
- 2236.36%Noncurrent assets plus other real estate owned to assets
- 0.11%Noncurrent loans to loans
- 0.05%Net loans and leases to deposits
- 77.91%Net loans and leases to core deposits
- 81.13%Equity capital to assets
- 12.94%Core capital (leverage) ratio
- 12.94%Tier 1 risk-based capital ratio
- 22.77%Total risk-based capital ratio
- Memoranda
- $24Average assets
- $95,490Average earning assets
- $12,291Average equity
- $88,886Average loans
- bankencyclopedia.com
- Banks in West Virginia (WV)
- F & M Bank-Keyser, Inc.
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with F & M Bank-Keyser, Inc..
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: