The First National Bank of Peterstown in Peterstown, West Virginia (WV)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The First National Bank of Peterstown in Peterstown, West Virginia (WV)
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The First National Bank of Peterstown - Overview

  • General
  • FDIC Certificate #: 6787
    Status: Active
    Federal Reserve ID: 719030
    Bank Holding Company (Regulatory Top Holder): Peterstown Bancorp, Inc. (RSSDID: 2942805, Location: Peterstown, WV)
    Date Established: January 27, 1910
    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: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 4561
    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: Mortgage Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 220 Market Street, Peterstown, WV 24963
    County: Monroe
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $61.6 mil
    Equity capital: $6.2 mil
    Deposits held in domestic offices: $55.0 mil
    Return on assets (ROA): 0.69% ($0.4 mil)
    Quarterly return on assets: -0.79% (-$0.5 mil)
    Return on Equity (ROE): 6.57% ($0.4 mil)
    Quarterly return on equity: -7.60% (-$0.5 mil)
    Net income: $0.4 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 1.02% ($628.4 mil)
    Quarterly Pretax return on assets: -0.33% (-$203.3 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
  • 11Total employees (full-time equivalent)
  • $61,605Total assets
  • $4,044Cash and due from depository institutions
  • $0Interest-bearing balances
  • $20,580Securities
  • $4,340Federal funds sold & reverse repurchase agreements
  • $30,560Net loans & leases
  • $389Loan loss allowance
  • $0Trading account assets
  • $1,210Bank premises and fixed assets
  • $275Other real estate owned
  • $0Goodwill and other intangibles
  • $61,605Life insurance assets
  • $596All other assets
  • $55,407Total liabilities and capital
  • $55,007Total liabilities
  • $40,943Total deposits
  • $55,007Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $400Subordinated debt
  • $6,198All other liabilities
  • $6,198Total equity capital
  • $6,198Total bank equity capital
  • $0Perpetual preferred stock
  • $40Common stock
  • $400Surplus
  • $5,758Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,444Income earned, not collected on loans
  • $0Earning assets
  • $268Long-term assets (5+ years)
  • $55,480Average Assets, year-to-date
  • $21,190Average Assets, quarterly
  • $58,099Volatile liabilities
  • $60,721Insider loans
  • $29,080FHLB advances
  • $60,986Loans and leases held for sale
  • $160Unused loan commitments
  • $160Tier 1 (core) risk-based capital
  • $5,970Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $683Restructured Loans and leases
  • $1,105Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,646Total interest income
  • $634Total interest expense
  • $2,012Net interest income
  • $113Provision for loan and lease losses
  • $153Total noninterest income
  • $0Fiduciary activities
  • $25Service charges on deposit accounts
  • $0Trading account gains & fees
  • $128Additional noninterest income
  • $1,524Total noninterest expense
  • $787Salaries and employee benefits
  • $148Premises and equipment expense
  • $589Additional noninterest expense
  • $528Pre-tax net operating income
  • $66Securities gains (losses)
  • $195Applicable income taxes
  • $399Income before extraordinary items
  • $0Extraordinary gains - net
  • $399Net income attributable to bank
  • $0Net charge-offs
  • $399Cash dividends
  • $61Sale, conversion, retirement of capital stock, net
  • $50Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.01%Yield on earning assets
  • 1.20%Cost of funding earning assets
  • 3.81%Net interest margin
  • 0.29%Noninterest income to earning assets
  • 2.89%Noninterest expense to earning assets
  • 0.61%Net operating income to assets
  • 0.69%Return on assets (ROA)
  • 1.02%Pretax return on assets
  • 6.57%Return on equity (ROE)
  • 5.74%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 185.25%Credit loss provision to net charge-offs
  • 10.51%Efficiency ratio
  • 70,393Assets per employee
  • 5.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 12.53%Loss allowance to loans
  • 1.26%Loss allowance to noncurrent loans
  • 26.94%Noncurrent assets plus other real estate owned to assets
  • 2.79%Noncurrent loans to loans
  • 4.67%Net loans and leases to deposits
  • 55.56%Net loans and leases to core deposits
  • 58.91%Equity capital to assets
  • 10.06%Core capital (leverage) ratio
  • 9.79%Tier 1 risk-based capital ratio
  • 20.53%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $58,099Average earning assets
  • $6,078Average equity
  • $52,767Average loans

List of branches

  • 1 West Virginia Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04561The First National Bank Of Peterstow220 Market Street, Peterstown, WV 24963January 27, 1910Full Service Brick and Mortar

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