Wesbanco Bank Elizabeth in Elizabeth, West Virginia (WV)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 18, 1995

  • Wesbanco Bank Elizabeth in Elizabeth, West Virginia (WV)
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Wesbanco Bank Elizabeth - Overview

  • General
  • FDIC Certificate #: 15500
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Wesbanco Bank Parkersburg (#18582)
    Federal Reserve ID: 477723
    Date Established: January 01, 1900
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 9800
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: June 07, 1937
    Last Structure Change Effective Date: November 18, 1995
    Last Structure Change Process Date: January 04, 1996
    Last Data Update: January 04, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: Court Street, Elizabeth, WV 26143
    County: Wirt
    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)
  • Financial Summary
  • Total assets: $28.3 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $12Total assets
  • $25,039Cash and due from depository institutions
  • $681Interest-bearing balances
  • $0Securities
  • $3,361Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $20,254Loan loss allowance
  • $329Trading account assets
  • $0Bank premises and fixed assets
  • $279Other real estate owned
  • $40Goodwill and other intangibles
  • $424Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $25,039Total liabilities
  • $22,100Total deposits
  • $22,017Interest-bearing deposits
  • $19,698Deposits held in domestic offices
  • 22017.00%% insured (estimated)
  • $96Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $83Total equity capital
  • $83Total bank equity capital
  • $2,939Perpetual preferred stock
  • $0Common stock
  • $200Surplus
  • $1,000Undivided profits
  • Memoranda
  • $1,739Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $35Income earned, not collected on loans
  • $151Earning assets
  • $23,615Long-term assets (5+ years)
  • $1,714Average Assets, year-to-date
  • $24,940Average Assets, quarterly
  • $25,202Volatile liabilities
  • $1,769Insider loans
  • $47FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,984Total risk weighted assets
  • $17,373Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,191Total interest expense
  • $690Net interest income
  • $1,501Provision for loan and lease losses
  • $97Total noninterest income
  • $148Fiduciary activities
  • $0Service charges on deposit accounts
  • $70Trading account gains & fees
  • $0Additional noninterest income
  • $78Total noninterest expense
  • $674Salaries and employee benefits
  • $291Premises and equipment expense
  • $87Additional noninterest expense
  • $296Pre-tax net operating income
  • $878Securities gains (losses)
  • $16Applicable income taxes
  • $306Income before extraordinary items
  • $588Extraordinary gains - net
  • $0Net income attributable to bank
  • $588Net charge-offs
  • $36Cash dividends
  • $1,070Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.31%Cost of funding earning assets
  • 2.93%Net interest margin
  • 6.37%Noninterest income to earning assets
  • 0.63%Noninterest expense to earning assets
  • 2.86%Net operating income to assets
  • 2.32%Return on assets (ROA)
  • 2.36%Pretax return on assets
  • 3.58%Return on equity (ROE)
  • 18.99%Retained earnings to average equity (YTD only)
  • -15.57%Net charge-offs to loans
  • 0.19%Credit loss provision to net charge-offs
  • 269.44%Efficiency ratio
  • 40,873Assets per employee
  • 2.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 181.97%Loss allowance to loans
  • 1.60%Loss allowance to noncurrent loans
  • 940.00%Noncurrent assets plus other real estate owned to assets
  • 0.30%Noncurrent loans to loans
  • 0.17%Net loans and leases to deposits
  • 91.99%Net loans and leases to core deposits
  • 100.03%Equity capital to assets
  • 11.74%Core capital (leverage) ratio
  • 11.79%Tier 1 risk-based capital ratio
  • 17.18%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $24,940Average earning assets
  • $3,097Average equity
  • $23,546Average loans

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