The Pleasants County Bank in Saint Marys, West Virginia (WV)
Overview, Financial Summary, Detailed Financial Reports, Branches

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

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 20Total employees (full-time equivalent)
  • $58,419Total assets
  • $5,707Cash and due from depository institutions
  • $1,524Interest-bearing balances
  • $10,043Securities
  • $3,406Federal funds sold & reverse repurchase agreements
  • $34,302Net loans & leases
  • $462Loan loss allowance
  • $0Trading account assets
  • $1,471Bank premises and fixed assets
  • $848Other real estate owned
  • $0Goodwill and other intangibles
  • $58,419Life insurance assets
  • $2,642All other assets
  • $51,915Total liabilities and capital
  • $51,521Total liabilities
  • $34,417Total deposits
  • $51,521Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $394Subordinated debt
  • $6,504All other liabilities
  • $6,504Total equity capital
  • $6,504Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $800Surplus
  • $5,204Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $339Income earned, not collected on loans
  • $0Earning assets
  • $168Long-term assets (5+ years)
  • $49,275Average Assets, year-to-date
  • $26,297Average Assets, quarterly
  • $58,099Volatile liabilities
  • $58,102Insider loans
  • $37,192FHLB advances
  • $58,027Loans and leases held for sale
  • $1,968Unused loan commitments
  • $1,968Tier 1 (core) risk-based capital
  • $6,511Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,712Restructured Loans and leases
  • $382Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,646Total interest income
  • $411Total interest expense
  • $2,235Net interest income
  • $60Provision for loan and lease losses
  • $274Total noninterest income
  • $0Fiduciary activities
  • $58Service charges on deposit accounts
  • $0Trading account gains & fees
  • $216Additional noninterest income
  • $1,802Total noninterest expense
  • $895Salaries and employee benefits
  • $209Premises and equipment expense
  • $698Additional noninterest expense
  • $647Pre-tax net operating income
  • $36Securities gains (losses)
  • $246Applicable income taxes
  • $437Income before extraordinary items
  • $0Extraordinary gains - net
  • $437Net income attributable to bank
  • $0Net charge-offs
  • $437Cash dividends
  • $38Sale, conversion, retirement of capital stock, net
  • $360Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.31%Yield on earning assets
  • 0.82%Cost of funding earning assets
  • 4.48%Net interest margin
  • 0.55%Noninterest income to earning assets
  • 3.61%Noninterest expense to earning assets
  • 0.71%Net operating income to assets
  • 0.75%Return on assets (ROA)
  • 1.18%Pretax return on assets
  • 6.69%Return on equity (ROE)
  • 1.18%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 157.89%Credit loss provision to net charge-offs
  • 18.61%Efficiency ratio
  • 71,821Assets per employee
  • 2.92%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 82.38%Loss allowance to loans
  • 1.33%Loss allowance to noncurrent loans
  • 136.28%Noncurrent assets plus other real estate owned to assets
  • 2.03%Noncurrent loans to loans
  • 0.98%Net loans and leases to deposits
  • 66.58%Net loans and leases to core deposits
  • 68.91%Equity capital to assets
  • 11.13%Core capital (leverage) ratio
  • 11.22%Tier 1 risk-based capital ratio
  • 17.51%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $58,099Average earning assets
  • $6,533Average equity
  • $49,877Average loans

List of branches

  • 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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