The Harrison County Bank in Lost Creek, West Virginia (WV)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Harrison County Bank in Lost Creek, West Virginia (WV)
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The Harrison County Bank - Overview

  • General
  • FDIC Certificate #: 9030
    Status: Active
    Federal Reserve ID: 104234
    Bank Holding Company (Regulatory Top Holder): Harrison Bankshares, Inc. (RSSDID: 1249178, Location: Lost Creek, WV)
    Date Established: Febuary 01, 1911
    WWW: http://www.hcbwv.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 11662
    FDIC's unique #: 5771
    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: Other Specialized Lending < 1 Billion
    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: Main Street, Lost Creek, WV 26385
    County: Harrison
    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): Fairmont-Clarksburg, WV (#242)
    Core Based Statistical Area (CBSA): Clarksburg, WV (#17220)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $93.8 mil
    Equity capital: $9.0 mil
    Deposits held in domestic offices: $84.2 mil
    Return on assets (ROA): 0.69% ($0.6 mil)
    Quarterly return on assets: 0.84% ($0.8 mil)
    Return on Equity (ROE): 7.34% ($0.7 mil)
    Quarterly return on equity: 8.68% ($0.8 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.03% ($966.3 mil)
    Quarterly Pretax return on assets: 0.84% ($788.0 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
  • 30Total employees (full-time equivalent)
  • $93,811Total assets
  • $5,122Cash and due from depository institutions
  • $3,873Interest-bearing balances
  • $46,283Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $37,210Net loans & leases
  • $301Loan loss allowance
  • $0Trading account assets
  • $3,546Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $93,811Life insurance assets
  • $1,650All other assets
  • $84,770Total liabilities and capital
  • $84,222Total liabilities
  • $64,754Total deposits
  • $84,222Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $548Subordinated debt
  • $9,041All other liabilities
  • $9,041Total equity capital
  • $9,041Total bank equity capital
  • $0Perpetual preferred stock
  • $160Common stock
  • $900Surplus
  • $7,981Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $992Income earned, not collected on loans
  • $0Earning assets
  • $436Long-term assets (5+ years)
  • $87,366Average Assets, year-to-date
  • $42,077Average Assets, quarterly
  • $94,119Volatile liabilities
  • $92,815Insider loans
  • $41,585FHLB advances
  • $92,468Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,670Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,831Restructured Loans and leases
  • $1,311Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,405Total interest income
  • $443Total interest expense
  • $2,962Net interest income
  • $160Provision for loan and lease losses
  • $723Total noninterest income
  • $4Fiduciary activities
  • $379Service charges on deposit accounts
  • $0Trading account gains & fees
  • $340Additional noninterest income
  • $2,559Total noninterest expense
  • $1,327Salaries and employee benefits
  • $402Premises and equipment expense
  • $830Additional noninterest expense
  • $966Pre-tax net operating income
  • $0Securities gains (losses)
  • $321Applicable income taxes
  • $645Income before extraordinary items
  • $0Extraordinary gains - net
  • $645Net income attributable to bank
  • $0Net charge-offs
  • $645Cash dividends
  • $317Sale, conversion, retirement of capital stock, net
  • $268Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.95%Yield on earning assets
  • 0.51%Cost of funding earning assets
  • 3.44%Net interest margin
  • 0.84%Noninterest income to earning assets
  • 2.97%Noninterest expense to earning assets
  • 0.69%Net operating income to assets
  • 0.69%Return on assets (ROA)
  • 1.03%Pretax return on assets
  • 7.34%Return on equity (ROE)
  • 4.29%Retained earnings to average equity (YTD only)
  • 0.89%Net charge-offs to loans
  • 50.47%Credit loss provision to net charge-offs
  • 3.55%Efficiency ratio
  • 69,444Assets per employee
  • 3.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 41.55%Loss allowance to loans
  • 0.80%Loss allowance to noncurrent loans
  • 30.34%Noncurrent assets plus other real estate owned to assets
  • 1.06%Noncurrent loans to loans
  • 2.64%Net loans and leases to deposits
  • 44.18%Net loans and leases to core deposits
  • 48.14%Equity capital to assets
  • 9.64%Core capital (leverage) ratio
  • 9.38%Tier 1 risk-based capital ratio
  • 20.85%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $94,119Average earning assets
  • $8,785Average equity
  • $86,110Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $515Managed Assets
  • 1Number of Accounts
  • $515Personal trust and agency accounts
  • $515Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 2Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 5 West Virginia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05771The Harrison County BankMain Street, Lost Creek, WV 26385Febuary 01, 1911Full Service Brick and Mortar
    1219317West Milford BranchMain Street & Vesta Drive, West Milford, WV 26451November 29, 1993Full Service Brick and Mortar
    2219318Johnson Avenue Branch1215 Johnson Avenue, Bridgeport, WV 26330December 02, 1996Full Service Brick and Mortar
    3429548Buckhannon Pike Branch1504, 1506 And 1508 Buckhannon Pike, Nutter Fort, WV 26301September 18, 2003Full Service Brick and Mortar
    4464971Clarksburg Branch3 Armory Road, Clarksburg, WV 26301March 12, 2007Full Service Brick and Mortar

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