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



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Pendleton Community Bank, Inc. routing number info

Table of contents:
Pendleton Community Bank, Inc.
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)75
Total assets$253,464
Cash and due from depository institutions$14,410
Interest-bearing balances$10,319
Securities$31,538
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$189,979
Loan loss allowance $4,271
Trading account assets$0
Bank premises and fixed assets$5,891
Other real estate owned$2,354
Goodwill and other intangibles$1,288
All other assets$8,004
Life insurance assets$253,464
Total liabilities and capital$224,386
Total liabilities$218,466
Total deposits$186,302
Interest-bearing deposits$218,466
Deposits held in domestic offices$96
% insured (estimated)1647.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$3,296
Other borrowed funds $0
Subordinated debt $977
All other liabilities $29,078
Total equity capital$29,078
Total bank equity capital$29,078
Perpetual preferred stock$0
Common stock$900
Surplus$900
Undivided profits $27,278
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $7,551
Earning assets $0
Long-term assets (5+ years) $1,289
Average Assets, year-to-date $231,836
Average Assets, quarterly $124,616
Volatile liabilities $254,199
Insider loans $257,050
FHLB advances $179,688
Loans and leases held for sale $255,437
Unused loan commitments $4,186
Tier 1 (core) risk-based capital $3,043
Tier 2 risk-based capital $26,936
Total risk weighted assets $0
Total unused commitments $1,143
Restructured Loans and leases $23,171
Derivatives$1,787
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $12,807
Total interest expense $2,997
Net interest income $9,810
Provision for loan and lease losses $1,750
Total noninterest income $1,931
Fiduciary activities $0
Service charges on deposit accounts $1,166
Trading account gains & fees $0
Additional noninterest income $765
Total noninterest expense $6,915
Salaries and employee benefits $3,668
Premises and equipment expense $772
Additional noninterest expense $2,475
Pre-tax net operating income $3,076
Securities gains (losses) $51
Applicable income taxes $872
Income before extraordinary items $2,255
Extraordinary gains - net $0
Net income attributable to bank $2,255
Net charge-offs $0
Cash dividends $2,255
Sale, conversion, retirement of capital stock, net $467
Net operating income $1,665
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.49%
Cost of funding earning assets 1.28%
Net interest margin 4.20%
Noninterest income to earning assets 0.83%
Noninterest expense to earning assets 2.96%
Net operating income to assets 0.87%
Return on assets (ROA) 0.89%
Pretax return on assets 1.23%
Return on equity (ROE) 7.78%
Retained earnings to average equity (YTD only) 2.04%
Net charge-offs to loans 0.24%
Credit loss provision to net charge-offs 374.73%
Efficiency ratio10.33%
Assets per employee$58,607
Cash dividends to net income (YTD only)3.38%
Condition Ratios (%)
Loss allowance to loans 73.84%
Loss allowance to noncurrent loans 2.20%
Noncurrent assets plus other real estate owned to assets 56.56%
Noncurrent loans to loans 3.91%
Net loans and leases to deposits3.89%
Net loans and leases to core deposits 86.96%
Equity capital to assets 90.26%
Core capital (leverage) ratio 11.47%
Tier 1 risk-based capital ratio 10.55%
Total risk-based capital ratio 14.99%
Memoranda
Average assets$16
Average earning assets$254,199
Average equity $28,967
Average loans $233,467
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1 Virginia Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
3453048Harrisonburg Branch41 Monte Vista Dr, Harrisonburg, VA 22802July 19, 2006Full Service Brick and Mortar
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4 West Virginia Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
04160Pendleton Community Bank, Inc.300 North Main Street, Franklin, WV 26807October 05, 1925Full Service Brick and Mortar
1208926Moorefield Branch402 South Main Street, Moorefield, WV 26836July 26, 1999Full Service Brick and Mortar
2364804Marlinton BranchPo Box 87 900 North Seneca Trail, Marlinton, WV 24954November 26, 2001Full Service Brick and Mortar
4285557Petersburg Branch102 Virginia Avenue, Petersburg, WV 26847September 17, 1973Full Service Brick and Mortar
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