Calhoun County Bank, Inc. in Grantsville, West Virginia (WV)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Calhoun County Bank, Inc. in Grantsville, West Virginia (WV)
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Calhoun County Bank, Inc. routing number info

Calhoun County Bank, Inc. - Overview

  • General
  • FDIC Certificate #: 9024
    Status: Active
    Federal Reserve ID: 498625
    Bank Holding Company (Regulatory Top Holder): Calhoun Bankshares, Inc. (RSSDID: 1357046, Location: Grantsville, WV)
    Date Established: January 01, 1900
    WWW: http://www.calhounbanks.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 12454
    FDIC's unique #: 5765
    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: Consumer Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 372 Main Street, Grantsville, WV 26147
    County: Calhoun
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $116.4 mil
    Equity capital: $10.5 mil
    Deposits held in domestic offices: $104.5 mil
    Return on assets (ROA): 0.69% ($0.8 mil)
    Quarterly return on assets: 0.69% ($0.8 mil)
    Return on Equity (ROE): 7.64% ($0.8 mil)
    Quarterly return on equity: 7.62% ($0.8 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.04% ($1,210.1 mil)
    Quarterly Pretax return on assets: 1.08% ($1,256.7 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
  • 55Total employees (full-time equivalent)
  • $116,357Total assets
  • $7,707Cash and due from depository institutions
  • $4,413Interest-bearing balances
  • $11,788Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $89,450Net loans & leases
  • $978Loan loss allowance
  • $0Trading account assets
  • $2,253Bank premises and fixed assets
  • $736Other real estate owned
  • $0Goodwill and other intangibles
  • $116,357Life insurance assets
  • $4,423All other assets
  • $105,822Total liabilities and capital
  • $104,466Total liabilities
  • $82,673Total deposits
  • $104,466Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,356Subordinated debt
  • $10,535All other liabilities
  • $10,535Total equity capital
  • $10,535Total bank equity capital
  • $0Perpetual preferred stock
  • $307Common stock
  • $556Surplus
  • $9,672Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,479Income earned, not collected on loans
  • $0Earning assets
  • $523Long-term assets (5+ years)
  • $105,651Average Assets, year-to-date
  • $63,350Average Assets, quarterly
  • $116,191Volatile liabilities
  • $117,620Insider loans
  • $78,509FHLB advances
  • $118,384Loans and leases held for sale
  • $2,604Unused loan commitments
  • $2,604Tier 1 (core) risk-based capital
  • $11,109Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,311Restructured Loans and leases
  • $2,323Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,284Total interest income
  • $1,132Total interest expense
  • $5,152Net interest income
  • $433Provision for loan and lease losses
  • $976Total noninterest income
  • $0Fiduciary activities
  • $677Service charges on deposit accounts
  • $0Trading account gains & fees
  • $299Additional noninterest income
  • $4,545Total noninterest expense
  • $2,137Salaries and employee benefits
  • $627Premises and equipment expense
  • $1,781Additional noninterest expense
  • $1,150Pre-tax net operating income
  • $60Securities gains (losses)
  • $413Applicable income taxes
  • $797Income before extraordinary items
  • $0Extraordinary gains - net
  • $797Net income attributable to bank
  • $0Net charge-offs
  • $797Cash dividends
  • $629Sale, conversion, retirement of capital stock, net
  • $224Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.96%Yield on earning assets
  • 1.07%Cost of funding earning assets
  • 4.88%Net interest margin
  • 0.92%Noninterest income to earning assets
  • 4.31%Noninterest expense to earning assets
  • 0.65%Net operating income to assets
  • 0.69%Return on assets (ROA)
  • 1.04%Pretax return on assets
  • 7.64%Return on equity (ROE)
  • 5.49%Retained earnings to average equity (YTD only)
  • 0.70%Net charge-offs to loans
  • 68.84%Credit loss provision to net charge-offs
  • 2.52%Efficiency ratio
  • 74,168Assets per employee
  • 2.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 28.11%Loss allowance to loans
  • 1.08%Loss allowance to noncurrent loans
  • 66.13%Noncurrent assets plus other real estate owned to assets
  • 1.90%Noncurrent loans to loans
  • 1.64%Net loans and leases to deposits
  • 85.63%Net loans and leases to core deposits
  • 94.42%Equity capital to assets
  • 9.05%Core capital (leverage) ratio
  • 9.38%Tier 1 risk-based capital ratio
  • 14.15%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $116,191Average earning assets
  • $10,435Average equity
  • $105,524Average loans

List of branches

  • 4 West Virginia Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    05765Calhoun County Bank, Inc.372 Main Street, Grantsville, WV 26147January 01, 1900Full Service Brick and Mortar
    1219308Arnoldsburg BranchRoute 33 West, Arnoldsburg, WV 25234June 15, 1987Full Service Brick and Mortar
    2219309Elizabeth BranchRoute 14, Pike Street, Elizabeth, WV 26143June 11, 1996Full Service Brick and Mortar
    3219310Glenville Branch904 North Lewis St, Glenville, WV 26351September 12, 1997Full Service Brick and Mortar

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