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

This bank is inactive as of September 27, 1993

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

General
FDIC Certificate #: 801
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Wesbanco Bank, Inc. (#803)
Federal Reserve ID: 595720
Date Established: June 29, 1921
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 1 (Interstate: No)
FDIC's unique #: 507
Numeric code: 13
Regulator: FED
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 01, 1934
Last Structure Change Effective Date: September 27, 1993
Last Structure Change Process Date: October 26, 1993
Last Data Update: October 26, 1993
Data Source Date: April 05, 2012
Location
Address: 250 Charles Street, Sistersville, WV 26175
County: Tyler
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
Financial Summary
Total assets: $22.7 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$8Total assets
$18,492Cash and due from depository institutions
$610Interest-bearing balances
$0Securities
$8,675Federal funds sold & reverse repurchase agreements
$790Net loans & leases
$8,019Loan loss allowance
$124Trading account assets
$0Bank premises and fixed assets
$113Other real estate owned
$0Goodwill and other intangibles
$285Life insurance assets
$0All other assets
$0Total liabilities and capital
$18,492Total liabilities
$15,440Total deposits
$15,187Interest-bearing deposits
$13,684Deposits held in domestic offices
15187.00%% insured (estimated)
$93Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$128Subordinated debt
$0All other liabilities
$125Total equity capital
$125Total bank equity capital
$3,052Perpetual preferred stock
$0Common stock
$200Surplus
$800Undivided profits
Memoranda
$2,052Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$37Earning assets
$17,484Long-term assets (5+ years)
$2,272Average Assets, year-to-date
$18,770Average Assets, quarterly
$18,447Volatile liabilities
$1,098Insider loans
$5FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$188Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$3,052Total risk weighted assets
$9,965Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$1,379Total interest expense
$680Net interest income
$699Provision for loan and lease losses
$6Total noninterest income
$61Fiduciary activities
$0Service charges on deposit accounts
$31Trading account gains & fees
$0Additional noninterest income
$30Total noninterest expense
$441Salaries and employee benefits
$184Premises and equipment expense
$88Additional noninterest expense
$169Pre-tax net operating income
$313Securities gains (losses)
$16Applicable income taxes
$87Income before extraordinary items
$242Extraordinary gains - net
-$6Net income attributable to bank
$236Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.90%Cost of funding earning assets
3.90%Net interest margin
4.01%Noninterest income to earning assets
0.35%Noninterest expense to earning assets
2.53%Net operating income to assets
1.23%Return on assets (ROA)
1.26%Pretax return on assets
1.72%Return on equity (ROE)
8.02%Retained earnings to average equity (YTD only)
8.02%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
58,026Assets per employee
2.31%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.52%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
52.80%Net loans and leases to core deposits
56.40%Equity capital to assets
16.50%Core capital (leverage) ratio
16.70%Tier 1 risk-based capital ratio
30.63%Total risk-based capital ratio
Memoranda
$32Average assets
$18,770Average earning assets
$2,942Average equity
$17,447Average loans

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