FNB Bank, Inc. in city_name, state_name - Detailed Financial Reports, Location

FNB Bank, Inc. in Romney, West Virginia (WV)
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FNB Bank, Inc. routing number info

FNB Bank, Inc. - Overview

General
FDIC Certificate #: 6794
Status: Active
Federal Reserve ID: 969639
Bank Holding Company (Regulatory Top Holder): Eastern Bancshares, Inc. (RSSDID: 1363784, Location: Romney, WV)
Date Established: June 10, 1910
WWW: http://www.fnbromney.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 #: 9887
FDIC's unique #: 4566
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: 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: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 105 North High Street, Romney, WV 26757
County: Hampshire
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
Combined Statistical Area (CSA): Washington-Baltimore-Northern Virginia, DC-MD-VA-WV (#548)
Core Based Statistical Area (CBSA): Winchester, VA-WV (#49020)
CBSA Metro Statistical Area: Winchester, VA-WV (#49020)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $155.5 mil
Equity capital: $16.7 mil
Deposits held in domestic offices: $136.6 mil
Return on assets (ROA): 0.11% ($0.2 mil)
Quarterly return on assets: 1.32% ($2.1 mil)
Return on Equity (ROE): 1.08% ($0.2 mil)
Quarterly return on equity: 12.38% ($2.1 mil)
Net income: $0.2 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: -0.09% (-$140.0 mil)
Quarterly Pretax return on assets: 0.95% ($1,477.5 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
49Total employees (full-time equivalent)
$155,524Total assets
$3,453Cash and due from depository institutions
$185Interest-bearing balances
$59,504Securities
$2,162Federal funds sold & reverse repurchase agreements
$77,580Net loans & leases
$1,262Loan loss allowance
$0Trading account assets
$4,228Bank premises and fixed assets
$1,691Other real estate owned
$0Goodwill and other intangibles
$155,524Life insurance assets
$6,906All other assets
$138,797Total liabilities and capital
$136,577Total liabilities
$117,231Total deposits
$136,577Interest-bearing deposits
$78Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$2,220Subordinated debt
$16,727All other liabilities
$16,727Total equity capital
$16,727Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$566Surplus
$15,961Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,643Income earned, not collected on loans
$0Earning assets
$882Long-term assets (5+ years)
$139,431Average Assets, year-to-date
$94,278Average Assets, quarterly
$154,530Volatile liabilities
$156,906Insider loans
$96,879FHLB advances
$155,723Loans and leases held for sale
$4,109Unused loan commitments
$4,109Tier 1 (core) risk-based capital
$15,983Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,104Restructured Loans and leases
$3,342Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$7,184Total interest income
$1,907Total interest expense
$5,277Net interest income
$901Provision for loan and lease losses
$1,000Total noninterest income
$0Fiduciary activities
$423Service charges on deposit accounts
$0Trading account gains & fees
$577Additional noninterest income
$5,989Total noninterest expense
$2,518Salaries and employee benefits
$261Premises and equipment expense
$3,210Additional noninterest expense
-$613Pre-tax net operating income
$478Securities gains (losses)
-$308Applicable income taxes
$173Income before extraordinary items
$0Extraordinary gains - net
$173Net income attributable to bank
$0Net charge-offs
$173Cash dividends
$434Sale, conversion, retirement of capital stock, net
$535Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.21%Yield on earning assets
1.38%Cost of funding earning assets
3.83%Net interest margin
0.73%Noninterest income to earning assets
4.34%Noninterest expense to earning assets
-0.09%Net operating income to assets
0.11%Return on assets (ROA)
-0.09%Pretax return on assets
1.08%Return on equity (ROE)
-2.25%Retained earnings to average equity (YTD only)
0.57%Net charge-offs to loans
207.60%Credit loss provision to net charge-offs
0.66%Efficiency ratio
95,412Assets per employee
3.17%Cash dividends to net income (YTD only)
Condition Ratios (%)
309.25%Loss allowance to loans
1.60%Loss allowance to noncurrent loans
47.75%Noncurrent assets plus other real estate owned to assets
2.79%Noncurrent loans to loans
3.35%Net loans and leases to deposits
56.80%Net loans and leases to core deposits
65.58%Equity capital to assets
10.76%Core capital (leverage) ratio
10.26%Tier 1 risk-based capital ratio
16.50%Total risk-based capital ratio
Memoranda
$18Average assets
$154,530Average earning assets
$16,084Average equity
$137,886Average loans

List of branches

4 West Virginia Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	4566	Fnb Bank, Inc.	105 North High Street, Romney, WV 26757	June 10, 1910	Full Service Brick and Mortar
1	212201	Capon Bridge Branch	Route 50, Capon Bridge, WV 26711	September 09, 1982	Full Service Brick and Mortar
3	362019	Fort Ashby Branch	Route #28 North, Fort Ashby, WV 26719	July 30, 2001	Full Service Brick and Mortar
4	442291	Hampshire Square Branch	Route 50, Hc-63, Box 3270, Romney, WV 26757	July 17, 2004	Full Service Brick and Mortar

FNB Bank, Inc. in Romney, West Virginia (WV)
Overview, Financial Summary, Detailed Financial Reports, Branches

FNB Bank, Inc. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

FNB Bank, Inc. in Romney, West Virginia (WV)Overview, Financial Summary, Detailed Financial Reports, Branches

FNB Bank, Inc. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

FNB Bank, Inc. in Romney, West Virginia (WV)
Overview, Financial Summary, Detailed Financial Reports, Branches