The Community Bank of Pennsboro, Inc. in Pennsboro, West Virginia (WV)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 01, 1998

  • The Community Bank of Pennsboro, Inc. in Pennsboro, West Virginia (WV)
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The Community Bank of Pennsboro, Inc. - Overview

  • General
  • FDIC Certificate #: 15438
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Wesbanco Bank Parkersburg (#6174)
    Federal Reserve ID: 964933
    Date Established: December 03, 1936
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    OTS Docket #: 14760
    FDIC's unique #: 9750
    Numeric code: 21
    Regulator: FDIC
    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: December 03, 1936
    Last Structure Change Effective Date: April 01, 1998
    Last Structure Change Process Date: April 14, 1998
    Last Data Update: April 14, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 112 Collins Avenue, Pennsboro, WV 26415
    County: Ritchie
    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
  • Financial Summary
  • Total assets: $21.6 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
  • 20Total employees (full-time equivalent)
  • $21,834Total assets
  • $874Cash and due from depository institutions
  • $0Interest-bearing balances
  • $5,197Securities
  • $1,175Federal funds sold & reverse repurchase agreements
  • $13,559Net loans & leases
  • $206Loan loss allowance
  • $0Trading account assets
  • $747Bank premises and fixed assets
  • $52Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $230All other assets
  • $21,834Total liabilities and capital
  • $19,278Total liabilities
  • $19,168Total deposits
  • $16,607Interest-bearing deposits
  • $19,168Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $110All other liabilities
  • $2,556Total equity capital
  • $2,556Total bank equity capital
  • $2,556Perpetual preferred stock
  • $0Common stock
  • $200Surplus
  • $200Undivided profits
  • Memoranda
  • $2,156Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $61Earning assets
  • $0Long-term assets (5+ years)
  • $83Average Assets, year-to-date
  • $19,931Average Assets, quarterly
  • $1,959Volatile liabilities
  • $21,122Insider loans
  • $21,770FHLB advances
  • $1,476Loans and leases held for sale
  • $101Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $997Total unused commitments
  • $0Restructured Loans and leases
  • $12,760Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $1,694Total interest income
  • $643Total interest expense
  • $1,051Net interest income
  • $54Provision for loan and lease losses
  • $89Total noninterest income
  • $0Fiduciary activities
  • $65Service charges on deposit accounts
  • $0Trading account gains & fees
  • $24Additional noninterest income
  • $779Total noninterest expense
  • $430Salaries and employee benefits
  • $97Premises and equipment expense
  • $252Additional noninterest expense
  • $307Pre-tax net operating income
  • $0Securities gains (losses)
  • $110Applicable income taxes
  • $197Income before extraordinary items
  • $0Extraordinary gains - net
  • $197Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $12Sale, conversion, retirement of capital stock, net
  • $137Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.75%Yield on earning assets
  • 3.32%Cost of funding earning assets
  • 5.43%Net interest margin
  • 0.46%Noninterest income to earning assets
  • 4.02%Noninterest expense to earning assets
  • 0.93%Net operating income to assets
  • 0.93%Return on assets (ROA)
  • 1.45%Pretax return on assets
  • 7.90%Return on equity (ROE)
  • 2.41%Retained earnings to average equity (YTD only)
  • 0.09%Net charge-offs to loans
  • 450.00%Credit loss provision to net charge-offs
  • 30.08%Efficiency ratio
  • 68,333Assets per employee
  • 1.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 69.54%Loss allowance to loans
  • 1.50%Loss allowance to noncurrent loans
  • 337.70%Noncurrent assets plus other real estate owned to assets
  • 0.52%Noncurrent loans to loans
  • 0.44%Net loans and leases to deposits
  • 70.74%Net loans and leases to core deposits
  • 76.64%Equity capital to assets
  • 11.71%Core capital (leverage) ratio
  • 11.88%Tier 1 risk-based capital ratio
  • 20.02%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $21,122Average earning assets
  • $2,494Average equity
  • $19,356Average loans

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