The Fayette County National Bank of Fayetteville in Fayetteville, West Virginia (WV)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Fayette County National Bank of Fayetteville - Overview

  • General
  • FDIC Certificate #: 6762
    Status: Active
    Federal Reserve ID: 488420
    Bank Holding Company (Regulatory Top Holder): Fcnb Bancorp, Inc. (RSSDID: 2355759, Location: Fayetteville, WV)
    Date Established: June 01, 1900
    WWW: http://www.fcnbonline.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 15828
    FDIC's unique #: 4541
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 01, 2010
    Last Structure Change Process Date: June 02, 2010
    Last Data Update: June 02, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 N. Court St, Fayetteville, WV 25840
    County: Fayette
    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): Beckley-Oak Hill, WV (#138)
    Core Based Statistical Area (CBSA): Oak Hill, WV (#36060)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $86.3 mil
    Equity capital: $10.0 mil
    Deposits held in domestic offices: $75.8 mil
    Return on assets (ROA): 0.96% ($0.8 mil)
    Quarterly return on assets: 0.92% ($0.8 mil)
    Return on Equity (ROE): 8.53% ($0.9 mil)
    Quarterly return on equity: 8.08% ($0.8 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.35% ($1,164.9 mil)
    Quarterly Pretax return on assets: 1.36% ($1,173.5 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
  • 39Total employees (full-time equivalent)
  • $86,290Total assets
  • $4,359Cash and due from depository institutions
  • $108Interest-bearing balances
  • $24,421Securities
  • $3,930Federal funds sold & reverse repurchase agreements
  • $51,331Net loans & leases
  • $682Loan loss allowance
  • $0Trading account assets
  • $1,241Bank premises and fixed assets
  • $224Other real estate owned
  • $0Goodwill and other intangibles
  • $86,290Life insurance assets
  • $784All other assets
  • $76,279Total liabilities and capital
  • $75,826Total liabilities
  • $60,827Total deposits
  • $75,826Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $453Subordinated debt
  • $10,011All other liabilities
  • $10,011Total equity capital
  • $10,011Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $300Surplus
  • $9,411Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $298Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $660Income earned, not collected on loans
  • $0Earning assets
  • $363Long-term assets (5+ years)
  • $79,790Average Assets, year-to-date
  • $52,249Average Assets, quarterly
  • $85,165Volatile liabilities
  • $88,976Insider loans
  • $42,032FHLB advances
  • $84,987Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,068Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,881Restructured Loans and leases
  • $22Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,160Total interest income
  • $729Total interest expense
  • $3,431Net interest income
  • $120Provision for loan and lease losses
  • $448Total noninterest income
  • $0Fiduciary activities
  • $229Service charges on deposit accounts
  • $0Trading account gains & fees
  • $219Additional noninterest income
  • $2,617Total noninterest expense
  • $1,333Salaries and employee benefits
  • $313Premises and equipment expense
  • $971Additional noninterest expense
  • $1,142Pre-tax net operating income
  • $4Securities gains (losses)
  • $331Applicable income taxes
  • $815Income before extraordinary items
  • $0Extraordinary gains - net
  • $815Net income attributable to bank
  • $0Net charge-offs
  • $815Cash dividends
  • $50Sale, conversion, retirement of capital stock, net
  • $444Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.29%Yield on earning assets
  • 0.93%Cost of funding earning assets
  • 4.36%Net interest margin
  • 0.57%Noninterest income to earning assets
  • 3.33%Noninterest expense to earning assets
  • 0.95%Net operating income to assets
  • 0.96%Return on assets (ROA)
  • 1.35%Pretax return on assets
  • 8.53%Return on equity (ROE)
  • 3.88%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 240.00%Credit loss provision to net charge-offs
  • 25.24%Efficiency ratio
  • 67,466Assets per employee
  • 2.21%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 54.48%Loss allowance to loans
  • 1.31%Loss allowance to noncurrent loans
  • 103.33%Noncurrent assets plus other real estate owned to assets
  • 1.02%Noncurrent loans to loans
  • 1.27%Net loans and leases to deposits
  • 67.70%Net loans and leases to core deposits
  • 69.53%Equity capital to assets
  • 11.60%Core capital (leverage) ratio
  • 10.67%Tier 1 risk-based capital ratio
  • 21.57%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $85,165Average earning assets
  • $9,551Average equity
  • $78,687Average loans

List of branches

  • 4 West Virginia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04541The Fayette County National Bank Of101 N. Court St, Fayetteville, WV 25840June 01, 1900Full Service Brick and Mortar
    1212132Express Bank Branch314 North Court Street, Fayetteville, WV 25840October 23, 1982Limited Service Facility
    2212133Oak Hill Branch1554 East Main Street, Oak Hill, WV 25901Febuary 13, 1985Full Service Brick and Mortar
    3212134Ansted Branch137 East Main Street, Ansted, WV 25812July 15, 1994Full Service Brick and Mortar

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