FNB Bank, Inc. in Romney, West Virginia (WV)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • FNB Bank, Inc. in Romney, West Virginia (WV)
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FNB Bank, Inc. - Overview

  • General
  • FDIC Certificate #: 6794
    Status: Active
    Federal Reserve ID: 969639
    Bank Holding Company (Regulatory Top Holder): Eastern Bancshares, Inc. (RSSDID: 1363784, Location: Romney, WV)
    Date Established: June 10, 1910
    WWW: http://www.fnbromney.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 9887
    FDIC's unique #: 4566
    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: All Other Specialization < 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: 105 North High Street, Romney, WV 26757
    County: Hampshire
    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): Washington-Baltimore-Northern Virginia, DC-MD-VA-WV (#548)
    Core Based Statistical Area (CBSA): Winchester, VA-WV (#49020)
    CBSA Metro Statistical Area: Winchester, VA-WV (#49020)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $155.5 mil
    Equity capital: $16.7 mil
    Deposits held in domestic offices: $136.6 mil
    Return on assets (ROA): 0.11% ($0.2 mil)
    Quarterly return on assets: 1.32% ($2.1 mil)
    Return on Equity (ROE): 1.08% ($0.2 mil)
    Quarterly return on equity: 12.38% ($2.1 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: -0.09% (-$140.0 mil)
    Quarterly Pretax return on assets: 0.95% ($1,477.5 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
  • 49Total employees (full-time equivalent)
  • $155,524Total assets
  • $3,453Cash and due from depository institutions
  • $185Interest-bearing balances
  • $59,504Securities
  • $2,162Federal funds sold & reverse repurchase agreements
  • $77,580Net loans & leases
  • $1,262Loan loss allowance
  • $0Trading account assets
  • $4,228Bank premises and fixed assets
  • $1,691Other real estate owned
  • $0Goodwill and other intangibles
  • $155,524Life insurance assets
  • $6,906All other assets
  • $138,797Total liabilities and capital
  • $136,577Total liabilities
  • $117,231Total deposits
  • $136,577Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,220Subordinated debt
  • $16,727All other liabilities
  • $16,727Total equity capital
  • $16,727Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $566Surplus
  • $15,961Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,643Income earned, not collected on loans
  • $0Earning assets
  • $882Long-term assets (5+ years)
  • $139,431Average Assets, year-to-date
  • $94,278Average Assets, quarterly
  • $154,530Volatile liabilities
  • $156,906Insider loans
  • $96,879FHLB advances
  • $155,723Loans and leases held for sale
  • $4,109Unused loan commitments
  • $4,109Tier 1 (core) risk-based capital
  • $15,983Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,104Restructured Loans and leases
  • $3,342Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,184Total interest income
  • $1,907Total interest expense
  • $5,277Net interest income
  • $901Provision for loan and lease losses
  • $1,000Total noninterest income
  • $0Fiduciary activities
  • $423Service charges on deposit accounts
  • $0Trading account gains & fees
  • $577Additional noninterest income
  • $5,989Total noninterest expense
  • $2,518Salaries and employee benefits
  • $261Premises and equipment expense
  • $3,210Additional noninterest expense
  • -$613Pre-tax net operating income
  • $478Securities gains (losses)
  • -$308Applicable income taxes
  • $173Income before extraordinary items
  • $0Extraordinary gains - net
  • $173Net income attributable to bank
  • $0Net charge-offs
  • $173Cash dividends
  • $434Sale, conversion, retirement of capital stock, net
  • $535Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.21%Yield on earning assets
  • 1.38%Cost of funding earning assets
  • 3.83%Net interest margin
  • 0.73%Noninterest income to earning assets
  • 4.34%Noninterest expense to earning assets
  • -0.09%Net operating income to assets
  • 0.11%Return on assets (ROA)
  • -0.09%Pretax return on assets
  • 1.08%Return on equity (ROE)
  • -2.25%Retained earnings to average equity (YTD only)
  • 0.57%Net charge-offs to loans
  • 207.60%Credit loss provision to net charge-offs
  • 0.66%Efficiency ratio
  • 95,412Assets per employee
  • 3.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 309.25%Loss allowance to loans
  • 1.60%Loss allowance to noncurrent loans
  • 47.75%Noncurrent assets plus other real estate owned to assets
  • 2.79%Noncurrent loans to loans
  • 3.35%Net loans and leases to deposits
  • 56.80%Net loans and leases to core deposits
  • 65.58%Equity capital to assets
  • 10.76%Core capital (leverage) ratio
  • 10.26%Tier 1 risk-based capital ratio
  • 16.50%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $154,530Average earning assets
  • $16,084Average equity
  • $137,886Average loans

List of branches

  • 4 West Virginia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04566Fnb Bank, Inc.105 North High Street, Romney, WV 26757June 10, 1910Full Service Brick and Mortar
    1212201Capon Bridge BranchRoute 50, Capon Bridge, WV 26711September 09, 1982Full Service Brick and Mortar
    3362019Fort Ashby BranchRoute #28 North, Fort Ashby, WV 26719July 30, 2001Full Service Brick and Mortar
    4442291Hampshire Square BranchRoute 50, Hc-63, Box 3270, Romney, WV 26757July 17, 2004Full Service Brick and Mortar

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