FDIC Certificate #: 6787 Status: Active Federal Reserve ID: 719030 Bank Holding Company (Regulatory Top Holder): Peterstown Bancorp, Inc. (RSSDID: 2942805, Location: Peterstown, WV) Date Established: January 27, 1910 WWW:http://www.fnbpeterstown.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 4561 Numeric code: 3 Regulator: OCC 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: No Subchapter S Corporations: No Asset Concentration Hierarchy: Mortgage 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: 220 Market Street, Peterstown, WV 24963 County: Monroe 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: $61.6 mil Equity capital: $6.2 mil Deposits held in domestic offices: $55.0 mil Return on assets (ROA): 0.69% ($0.4 mil) Quarterly return on assets: -0.79% (-$0.5 mil) Return on Equity (ROE): 6.57% ($0.4 mil) Quarterly return on equity: -7.60% (-$0.5 mil) Net income: $0.4 mil Quarterly Net income: -$0.1 mil Pretax return on assets: 1.02% ($628.4 mil) Quarterly Pretax return on assets: -0.33% (-$203.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
11Total employees (full-time equivalent)
$61,605Total assets
$4,044Cash and due from depository institutions
$0Interest-bearing balances
$20,580Securities
$4,340Federal funds sold & reverse repurchase agreements
$30,560Net loans & leases
$389Loan loss allowance
$0Trading account assets
$1,210Bank premises and fixed assets
$275Other real estate owned
$0Goodwill and other intangibles
$61,605Life insurance assets
$596All other assets
$55,407Total liabilities and capital
$55,007Total liabilities
$40,943Total deposits
$55,007Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$400Subordinated debt
$6,198All other liabilities
$6,198Total equity capital
$6,198Total bank equity capital
$0Perpetual preferred stock
$40Common stock
$400Surplus
$5,758Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,444Income earned, not collected on loans
$0Earning assets
$268Long-term assets (5+ years)
$55,480Average Assets, year-to-date
$21,190Average Assets, quarterly
$58,099Volatile liabilities
$60,721Insider loans
$29,080FHLB advances
$60,986Loans and leases held for sale
$160Unused loan commitments
$160Tier 1 (core) risk-based capital
$5,970Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$683Restructured Loans and leases
$1,105Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,646Total interest income
$634Total interest expense
$2,012Net interest income
$113Provision for loan and lease losses
$153Total noninterest income
$0Fiduciary activities
$25Service charges on deposit accounts
$0Trading account gains & fees
$128Additional noninterest income
$1,524Total noninterest expense
$787Salaries and employee benefits
$148Premises and equipment expense
$589Additional noninterest expense
$528Pre-tax net operating income
$66Securities gains (losses)
$195Applicable income taxes
$399Income before extraordinary items
$0Extraordinary gains - net
$399Net income attributable to bank
$0Net charge-offs
$399Cash dividends
$61Sale, conversion, retirement of capital stock, net
$50Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.01%Yield on earning assets
1.20%Cost of funding earning assets
3.81%Net interest margin
0.29%Noninterest income to earning assets
2.89%Noninterest expense to earning assets
0.61%Net operating income to assets
0.69%Return on assets (ROA)
1.02%Pretax return on assets
6.57%Return on equity (ROE)
5.74%Retained earnings to average equity (YTD only)
0.19%Net charge-offs to loans
185.25%Credit loss provision to net charge-offs
10.51%Efficiency ratio
70,393Assets per employee
5.60%Cash dividends to net income (YTD only)
Condition Ratios (%)
12.53%Loss allowance to loans
1.26%Loss allowance to noncurrent loans
26.94%Noncurrent assets plus other real estate owned to assets
2.79%Noncurrent loans to loans
4.67%Net loans and leases to deposits
55.56%Net loans and leases to core deposits
58.91%Equity capital to assets
10.06%Core capital (leverage) ratio
9.79%Tier 1 risk-based capital ratio
20.53%Total risk-based capital ratio
Memoranda
$22Average assets
$58,099Average earning assets
$6,078Average equity
$52,767Average loans
List of branches
1 West Virginia Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
4561
The First National Bank Of Peterstow
220 Market Street, Peterstown, WV 24963
January 27, 1910
Full Service Brick and Mortar
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