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

Pendleton Community Bank, Inc. in Franklin, West Virginia (WV), VA
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Pendleton Community Bank, Inc. routing number info

Pendleton Community Bank, Inc. - Overview

General
FDIC Certificate #: 6176
Status: Active
Federal Reserve ID: 370020
Bank Holding Company (Regulatory Top Holder): Allegheny Bancshares, Inc. (RSSDID: 3137082, Location: Franklin, WV)
Date Established: October 05, 1925
WWW: http://www.yourbank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 5 (Domestic: 5, Interstate: Yes)
FDIC's unique #: 4160
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: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 02, 2010
Last Structure Change Process Date: June 02, 2010
Last Data Update: June 02, 2010
Data Source Date: April 05, 2012
Location
Address: 300 North Main Street, Franklin, WV 26807
County: Pendleton
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
History of Changes
Change in Location
Financial Summary
Total assets: $253.5 mil
Equity capital: $29.1 mil
Deposits held in domestic offices: $218.5 mil
Return on assets (ROA): 0.89% ($2.3 mil)
Quarterly return on assets: 0.87% ($2.2 mil)
Return on Equity (ROE): 7.78% ($2.3 mil)
Quarterly return on equity: 7.53% ($2.2 mil)
Net income: $2.3 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 1.23% ($3,117.6 mil)
Quarterly Pretax return on assets: 1.18% ($2,990.9 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
75Total employees (full-time equivalent)
$253,464Total assets
$14,410Cash and due from depository institutions
$10,319Interest-bearing balances
$31,538Securities
$0Federal funds sold & reverse repurchase agreements
$189,979Net loans & leases
$4,271Loan loss allowance
$0Trading account assets
$5,891Bank premises and fixed assets
$2,354Other real estate owned
$1,288Goodwill and other intangibles
$253,464Life insurance assets
$8,004All other assets
$224,386Total liabilities and capital
$218,466Total liabilities
$186,302Total deposits
$218,466Interest-bearing deposits
$96Deposits held in domestic offices
1647.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,296Trading liabilities
$0Other borrowed funds
$977Subordinated debt
$29,078All other liabilities
$29,078Total equity capital
$29,078Total bank equity capital
$0Perpetual preferred stock
$900Common stock
$900Surplus
$27,278Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$7,551Income earned, not collected on loans
$0Earning assets
$1,289Long-term assets (5+ years)
$231,836Average Assets, year-to-date
$124,616Average Assets, quarterly
$254,199Volatile liabilities
$257,050Insider loans
$179,688FHLB advances
$255,437Loans and leases held for sale
$4,186Unused loan commitments
$3,043Tier 1 (core) risk-based capital
$26,936Tier 2 risk-based capital
$0Total risk weighted assets
$1,143Total unused commitments
$23,171Restructured Loans and leases
$1,787Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$12,807Total interest income
$2,997Total interest expense
$9,810Net interest income
$1,750Provision for loan and lease losses
$1,931Total noninterest income
$0Fiduciary activities
$1,166Service charges on deposit accounts
$0Trading account gains & fees
$765Additional noninterest income
$6,915Total noninterest expense
$3,668Salaries and employee benefits
$772Premises and equipment expense
$2,475Additional noninterest expense
$3,076Pre-tax net operating income
$51Securities gains (losses)
$872Applicable income taxes
$2,255Income before extraordinary items
$0Extraordinary gains - net
$2,255Net income attributable to bank
$0Net charge-offs
$2,255Cash dividends
$467Sale, conversion, retirement of capital stock, net
$1,665Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.49%Yield on earning assets
1.28%Cost of funding earning assets
4.20%Net interest margin
0.83%Noninterest income to earning assets
2.96%Noninterest expense to earning assets
0.87%Net operating income to assets
0.89%Return on assets (ROA)
1.23%Pretax return on assets
7.78%Return on equity (ROE)
2.04%Retained earnings to average equity (YTD only)
0.24%Net charge-offs to loans
374.73%Credit loss provision to net charge-offs
10.33%Efficiency ratio
58,607Assets per employee
3.38%Cash dividends to net income (YTD only)
Condition Ratios (%)
73.84%Loss allowance to loans
2.20%Loss allowance to noncurrent loans
56.56%Noncurrent assets plus other real estate owned to assets
3.91%Noncurrent loans to loans
3.89%Net loans and leases to deposits
86.96%Net loans and leases to core deposits
90.26%Equity capital to assets
11.47%Core capital (leverage) ratio
10.55%Tier 1 risk-based capital ratio
14.99%Total risk-based capital ratio
Memoranda
$16Average assets
$254,199Average earning assets
$28,967Average equity
$233,467Average loans

List of branches

1 Virginia Branch as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
3	453048	Harrisonburg Branch	41 Monte Vista Dr, Harrisonburg, VA 22802	July 19, 2006	Full Service Brick and Mortar

4 West Virginia Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	4160	Pendleton Community Bank, Inc.	300 North Main Street, Franklin, WV 26807	October 05, 1925	Full Service Brick and Mortar
1	208926	Moorefield Branch	402 South Main Street, Moorefield, WV 26836	July 26, 1999	Full Service Brick and Mortar
2	364804	Marlinton Branch	Po Box 87 900 North Seneca Trail, Marlinton, WV 24954	November 26, 2001	Full Service Brick and Mortar
4	285557	Petersburg Branch	102 Virginia Avenue, Petersburg, WV 26847	September 17, 1973	Full Service Brick and Mortar

Pendleton Community Bank, Inc. in Franklin, West Virginia (WV), VA
Overview, Financial Summary, Detailed Financial Reports, Branches

Pendleton Community Bank, Inc. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

Pendleton Community Bank, Inc. in Franklin, West Virginia (WV), VAOverview, Financial Summary, Detailed Financial Reports, Branches

Pendleton Community Bank, Inc. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

Pendleton Community Bank, Inc. in Franklin, West Virginia (WV), VA
Overview, Financial Summary, Detailed Financial Reports, Branches