Peoples National Bank in Point Pleasant, West Virginia (WV)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 22, 1997

  • Peoples National Bank in Point Pleasant, West Virginia (WV)
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Peoples National Bank - Overview

  • General
  • FDIC Certificate #: 19476
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: City National Bank of West Virginia (#17735)
    Federal Reserve ID: 1016138
    Date Established: September 01, 1965
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    OTS Docket #: 11868
    FDIC's unique #: 13276
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: September 01, 1965
    Last Structure Change Effective Date: December 22, 1997
    Last Structure Change Process Date: January 07, 1998
    Last Data Update: January 07, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 2212 Jackson Avenue, Point Pleasant, WV 25550
    County: Mason
    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
    Core Based Statistical Area (CBSA): Point Pleasant, WV-OH (#38580)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $153.7 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $60Total assets
  • $122,006Cash and due from depository institutions
  • $2,964Interest-bearing balances
  • $19Securities
  • $20,879Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $93,944Loan loss allowance
  • $922Trading account assets
  • $0Bank premises and fixed assets
  • $1,439Other real estate owned
  • $0Goodwill and other intangibles
  • $2,704Life insurance assets
  • $76All other assets
  • $0Total liabilities and capital
  • $122,006Total liabilities
  • $111,984Total deposits
  • $106,392Interest-bearing deposits
  • $94,574Deposits held in domestic offices
  • 106392.00%% insured (estimated)
  • $95Federal funds purchased & repurchase agreements
  • $3,701Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $1,891Total equity capital
  • $1,891Total bank equity capital
  • $10,022Perpetual preferred stock
  • $0Common stock
  • $1,250Surplus
  • $1,750Undivided profits
  • Memoranda
  • $7,022Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $882Income earned, not collected on loans
  • $596Earning assets
  • $114,842Long-term assets (5+ years)
  • $16,067Average Assets, year-to-date
  • $120,145Average Assets, quarterly
  • $121,545Volatile liabilities
  • $13,786Insider loans
  • $7,689FHLB advances
  • $0Loans and leases held for sale
  • $21Unused loan commitments
  • $5,972Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $9,833Total risk weighted assets
  • $87,978Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $11,069Total interest expense
  • $4,640Net interest income
  • $6,429Provision for loan and lease losses
  • $150Total noninterest income
  • $750Fiduciary activities
  • $0Service charges on deposit accounts
  • $478Trading account gains & fees
  • $0Additional noninterest income
  • $272Total noninterest expense
  • $3,624Salaries and employee benefits
  • $1,938Premises and equipment expense
  • $389Additional noninterest expense
  • $1,297Pre-tax net operating income
  • $3,405Securities gains (losses)
  • $12Applicable income taxes
  • $1,236Income before extraordinary items
  • $2,181Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,181Net charge-offs
  • $141Cash dividends
  • $880Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.85%Cost of funding earning assets
  • 4.13%Net interest margin
  • 5.72%Noninterest income to earning assets
  • 0.67%Noninterest expense to earning assets
  • 3.22%Net operating income to assets
  • 1.81%Return on assets (ROA)
  • 1.82%Pretax return on assets
  • 2.84%Return on equity (ROE)
  • 23.80%Retained earnings to average equity (YTD only)
  • 14.20%Net charge-offs to loans
  • 0.15%Credit loss provision to net charge-offs
  • 106.38%Efficiency ratio
  • 50,174Assets per employee
  • 2.03%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 40.35%Loss allowance to loans
  • 0.97%Loss allowance to noncurrent loans
  • 104.54%Noncurrent assets plus other real estate owned to assets
  • 0.72%Noncurrent loans to loans
  • 0.93%Net loans and leases to deposits
  • 88.30%Net loans and leases to core deposits
  • 97.55%Equity capital to assets
  • 8.21%Core capital (leverage) ratio
  • 7.74%Tier 1 risk-based capital ratio
  • 11.18%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $120,145Average earning assets
  • $9,165Average equity
  • $112,383Average loans

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