Williamstown Bank, Inc. in Williamstown, West Virginia (WV)

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Williamstown Bank, Inc. routing number info

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Williamstown Bank, Inc.
GeneralFDIC Certificate #: 14744
Status: Active
Federal Reserve ID: 918132
Date Established: January 01, 1919
WWW: http://www.williamstownbank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 14466
FDIC's unique #: 9222
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: Commercial Lending Specialization
Date of Deposit Insurance: August 20, 1934
Last Structure Change Effective Date: October 03, 2007
Last Structure Change Process Date: December 21, 2007
Last Data Update: December 21, 2007
Data Source Date: April 05, 2012
LocationAddress: 435 Highland Avenue, Williamstown, WV 26187
County: Wood
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): Parkersburg-Marietta, WV-OH (#6020)
Core Based Statistical Area (CBSA): Parkersburg-Marietta-Vienna, WV-OH (#37620)
CBSA Metro Statistical Area: Parkersburg-Marietta-Vienna, WV-OH (#37620)
History of ChangesName Change
Financial SummaryTotal assets: $133.1 mil
Equity capital: $13.7 mil
Deposits held in domestic offices: $118.8 mil
Return on assets (ROA): 1.10% ($1.5 mil)
Quarterly return on assets: 1.12% ($1.5 mil)
Return on Equity (ROE): 10.96% ($1.5 mil)
Quarterly return on equity: 10.98% ($1.5 mil)
Net income: $1.4 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.62% ($2,155.9 mil)
Quarterly Pretax return on assets: 1.82% ($2,422.1 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)33
Total assets$133,082
Cash and due from depository institutions$14,034
Interest-bearing balances$10,342
Federal funds sold & reverse repurchase agreements$2,593
Net loans & leases$99,155
Loan loss allowance $1,149
Trading account assets$0
Bank premises and fixed assets$2,065
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$3,042
Life insurance assets$133,082
Total liabilities and capital$119,412
Total liabilities$118,824
Total deposits$104,303
Interest-bearing deposits$118,824
Deposits held in domestic offices$98
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $588
All other liabilities $13,670
Total equity capital$13,670
Total bank equity capital$13,670
Perpetual preferred stock$0
Common stock$300
Undivided profits $12,870
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 $60
Earning assets $0
Long-term assets (5+ years) $432
Average Assets, year-to-date $124,283
Average Assets, quarterly $46,514
Volatile liabilities $130,510
Insider loans $132,330
FHLB advances $92,659
Loans and leases held for sale $130,570
Unused loan commitments $1,833
Tier 1 (core) risk-based capital $924
Tier 2 risk-based capital $13,669
Total risk weighted assets $0
Total unused commitments $909
Restructured Loans and leases $5,232
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,662
Total interest expense $1,449
Net interest income $5,213
Provision for loan and lease losses $306
Total noninterest income $816
Fiduciary activities $0
Service charges on deposit accounts $351
Trading account gains & fees $0
Additional noninterest income $465
Total noninterest expense $3,615
Salaries and employee benefits $1,905
Premises and equipment expense $378
Additional noninterest expense $1,332
Pre-tax net operating income $2,108
Securities gains (losses) $0
Applicable income taxes $674
Income before extraordinary items $1,434
Extraordinary gains - net $0
Net income attributable to bank $1,434
Net charge-offs $0
Cash dividends $1,434
Sale, conversion, retirement of capital stock, net $238
Net operating income $480
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.52%
Cost of funding earning assets 1.20%
Net interest margin 4.32%
Noninterest income to earning assets 0.68%
Noninterest expense to earning assets 3.00%
Net operating income to assets 1.10%
Return on assets (ROA) 1.10%
Pretax return on assets 1.62%
Return on equity (ROE) 10.96%
Retained earnings to average equity (YTD only) 7.29%
Net charge-offs to loans 0.25%
Credit loss provision to net charge-offs 128.57%
Efficiency ratio10.14%
Assets per employee$59,960
Cash dividends to net income (YTD only)4.03%
Condition Ratios (%)
Loss allowance to loans 33.47%
Loss allowance to noncurrent loans 1.15%
Noncurrent assets plus other real estate owned to assets 1915.00%
Noncurrent loans to loans 0.05%
Net loans and leases to deposits0.06%
Net loans and leases to core deposits 83.45%
Equity capital to assets 85.60%
Core capital (leverage) ratio 10.27%
Tier 1 risk-based capital ratio 10.47%
Total risk-based capital ratio 14.75%
Average assets$16
Average earning assets$130,510
Average equity $13,083
Average loans $120,603
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2 West Virginia Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
09222Williamstown Bank, Inc.435 Highland Avenue, Williamstown, WV 26187January 01, 1919Full Service Brick and Mortar
1232062Parkersburg Branch3002 East Seventh Street, Parkersburg, WV 26102March 10, 1987Full Service Brick and Mortar
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