The Pleasants County Bank in Saint Marys, West Virginia (WV)



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The Pleasants County Bank
GeneralFDIC Certificate #: 847
Status: Active
Federal Reserve ID: 8631
Bank Holding Company (Regulatory Top Holder): Pleasants County Bankshares, Inc. (RSSDID: 2728447, Location: Saint Marys, WV)
Date Established: December 21, 1896
WWW: http://www.pcbsm.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 15579
FDIC's unique #: 533
Numeric code: 13
Regulator: FED
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: August 22, 2007
Last Data Update: August 22, 2007
Data Source Date: April 05, 2012
LocationAddress: 323 Second Street, Saint Marys, WV 26170
County: Pleasants
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): Parkersburg-Marietta-Vienna, WV-OH (#37620)
CBSA Metro Statistical Area: Parkersburg-Marietta-Vienna, WV-OH (#37620)
History of ChangesMerge BIF and SAIF Funds into DIF
Corrections
Financial SummaryTotal assets: $58.4 mil
Equity capital: $6.5 mil
Deposits held in domestic offices: $51.5 mil
Return on assets (ROA): 0.75% ($0.4 mil)
Quarterly return on assets: 0.81% ($0.5 mil)
Return on Equity (ROE): 6.69% ($0.5 mil)
Quarterly return on equity: 7.15% ($0.5 mil)
Net income: $0.4 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 1.18% ($689.3 mil)
Quarterly Pretax return on assets: 1.17% ($683.5 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)
Total employees (full-time equivalent)20
Total assets$58,419
Cash and due from depository institutions$5,707
Interest-bearing balances$1,524
Securities$10,043
Federal funds sold & reverse repurchase agreements$3,406
Net loans & leases$34,302
Loan loss allowance $462
Trading account assets$0
Bank premises and fixed assets$1,471
Other real estate owned$848
Goodwill and other intangibles$0
All other assets$2,642
Life insurance assets$58,419
Total liabilities and capital$51,915
Total liabilities$51,521
Total deposits$34,417
Interest-bearing deposits$51,521
Deposits held in domestic offices$95
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $394
All other liabilities $6,504
Total equity capital$6,504
Total bank equity capital$6,504
Perpetual preferred stock$0
Common stock$500
Surplus$800
Undivided profits $5,204
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $339
Earning assets $0
Long-term assets (5+ years) $168
Average Assets, year-to-date $49,275
Average Assets, quarterly $26,297
Volatile liabilities $58,099
Insider loans $58,102
FHLB advances $37,192
Loans and leases held for sale $58,027
Unused loan commitments $1,968
Tier 1 (core) risk-based capital $1,968
Tier 2 risk-based capital $6,511
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,712
Derivatives$382
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,646
Total interest expense $411
Net interest income $2,235
Provision for loan and lease losses $60
Total noninterest income $274
Fiduciary activities $0
Service charges on deposit accounts $58
Trading account gains & fees $0
Additional noninterest income $216
Total noninterest expense $1,802
Salaries and employee benefits $895
Premises and equipment expense $209
Additional noninterest expense $698
Pre-tax net operating income $647
Securities gains (losses) $36
Applicable income taxes $246
Income before extraordinary items $437
Extraordinary gains - net $0
Net income attributable to bank $437
Net charge-offs $0
Cash dividends $437
Sale, conversion, retirement of capital stock, net $38
Net operating income $360
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.31%
Cost of funding earning assets 0.82%
Net interest margin 4.48%
Noninterest income to earning assets 0.55%
Noninterest expense to earning assets 3.61%
Net operating income to assets 0.71%
Return on assets (ROA) 0.75%
Pretax return on assets 1.18%
Return on equity (ROE) 6.69%
Retained earnings to average equity (YTD only) 1.18%
Net charge-offs to loans 0.11%
Credit loss provision to net charge-offs 157.89%
Efficiency ratio18.61%
Assets per employee$71,821
Cash dividends to net income (YTD only)2.92%
Condition Ratios (%)
Loss allowance to loans 82.38%
Loss allowance to noncurrent loans 1.33%
Noncurrent assets plus other real estate owned to assets 136.28%
Noncurrent loans to loans 2.03%
Net loans and leases to deposits0.98%
Net loans and leases to core deposits 66.58%
Equity capital to assets 68.91%
Core capital (leverage) ratio 11.13%
Tier 1 risk-based capital ratio 11.22%
Total risk-based capital ratio 17.51%
Memoranda
Average assets$19
Average earning assets$58,099
Average equity $6,533
Average loans $49,877
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3 West Virginia Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0533The Pleasants County Bank323 Second Street, Saint Marys, WV 26170December 21, 1896Full Service Brick and Mortar
1467304Washington St Branch213 Washington Street, Saint Marys, WV 26170May 25, 2001Full Service Brick and Mortar
2467305Belmont Branch519 Riverview Drive, Belmont, WV 26134December 09, 2005Full Service Brick and Mortar
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