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

This bank is inactive as of August 26, 1995

Wesbanco Bank Sissonville in Sissonville, West Virginia (WV)
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Wesbanco Bank Sissonville - Overview

General
FDIC Certificate #: 22199
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Wesbanco Bank Charleston (#21887)
Federal Reserve ID: 10438
Date Established: January 05, 1976
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 15423
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: January 05, 1976
Last Structure Change Effective Date: August 26, 1995
Last Structure Change Process Date: September 29, 1995
Last Data Update: September 29, 1995
Data Source Date: April 05, 2012
Location
Address: 6409 Sissonville Drive, Sissonville, WV 25320
County: Kanawha
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
Metropolitan Statistical Area (MSA): Charleston, WV (#1480)
Core Based Statistical Area (CBSA): Charleston, WV (#16620)
CBSA Metro Statistical Area: Charleston, WV (#16620)
Financial Summary
Total assets: $40.6 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)
$19Total assets
$41,087Cash and due from depository institutions
$1,423Interest-bearing balances
$0Securities
$13,802Federal funds sold & reverse repurchase agreements
$142Net loans & leases
$24,584Loan loss allowance
$403Trading account assets
$0Bank premises and fixed assets
$526Other real estate owned
$60Goodwill and other intangibles
$550Life insurance assets
$0All other assets
$0Total liabilities and capital
$41,087Total liabilities
$36,269Total deposits
$34,455Interest-bearing deposits
$29,638Deposits held in domestic offices
34455.00%% insured (estimated)
$94Federal funds purchased & repurchase agreements
$1,471Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$343Total equity capital
$343Total bank equity capital
$4,818Perpetual preferred stock
$0Common stock
$250Surplus
$250Undivided profits
Memoranda
$4,318Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$89Income earned, not collected on loans
$162Earning assets
$38,528Long-term assets (5+ years)
$6,175Average Assets, year-to-date
$39,730Average Assets, quarterly
$40,592Volatile liabilities
$3,420Insider loans
$514FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$1,437Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$4,841Total risk weighted assets
$23,964Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$3,001Total interest expense
$1,024Net interest income
$1,977Provision for loan and lease losses
$68Total noninterest income
$202Fiduciary activities
$0Service charges on deposit accounts
$146Trading account gains & fees
$0Additional noninterest income
$56Total noninterest expense
$1,047Salaries and employee benefits
$502Premises and equipment expense
$104Additional noninterest expense
$441Pre-tax net operating income
$1,064Securities gains (losses)
$2Applicable income taxes
$318Income before extraordinary items
$748Extraordinary gains - net
$0Net income attributable to bank
$748Net charge-offs
$20Cash dividends
$395Sale, 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
8.04%Cost of funding earning assets
2.74%Net interest margin
5.30%Noninterest income to earning assets
0.54%Noninterest expense to earning assets
2.81%Net operating income to assets
1.88%Return on assets (ROA)
1.88%Pretax return on assets
2.68%Return on equity (ROE)
16.00%Retained earnings to average equity (YTD only)
7.55%Net charge-offs to loans
0.09%Credit loss provision to net charge-offs
340.00%Efficiency ratio
48,050Assets per employee
2.16%Cash dividends to net income (YTD only)
Condition Ratios (%)
52.81%Loss allowance to loans
1.61%Loss allowance to noncurrent loans
452.81%Noncurrent assets plus other real estate owned to assets
0.36%Noncurrent loans to loans
0.36%Net loans and leases to deposits
71.35%Net loans and leases to core deposits
75.63%Equity capital to assets
11.73%Core capital (leverage) ratio
12.14%Tier 1 risk-based capital ratio
20.20%Total risk-based capital ratio
Memoranda
$21Average assets
$39,730Average earning assets
$4,676Average equity
$37,308Average loans

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