Vitals
  • Total Assets
    137.2M 7.9 %
  • Total Deposits
    121.4M 8.8 %
  • Total Net Loans
    108.0M 6.7 %
  • Net Income
    298000.0000 -19.2 %
  • Book Value
    13.6M 2.0 %
  • Book Value x2
    27.2M 2.0 %
  • Book Value x3
    40.8M 2.0 %
ROAA

.882

ROAE

8.793

Efficiency Ratio

67.365

Net Interest Margin

4.481

Balance Sheet Highlights
Financial Highlights First Central Bank, Inc. All Insured Commercial Banks in West Virginia
Balance Sheet $(000)
Total Assets 137,217 240,035
Total Net Loans 108,047 154,929
Total Deposits 121,413 201,421
Total Equity 13,601 24,267
Profitability
Net Income 298 391
Return on Average Assets .882 .743
Return on Average Equity 8.793 7.07
Net Interest Margin 4.481 3.958
Efficiency Ratio 67.365 67.691
Noninterest Income/Revenue 9.691 10.653
Balance Sheet Ratios
Loan-to-Deposit 88.991 72.638
Securities/Assets .088 .207
Total Equity/Total Assets .099 .101
Tangible Equity/Tangible Assets .073 .097
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 11,216 23,249
Tier 2 Capital 1,254 1,884
Total Capital 12,470 25,129
Total Risk Weighted Assets 99,575 155,441
Leverage Ratio 8.46 10.187
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 11.26 16.59
Total Capital Ratio 12.52 17.76

Timeline for First Central Bank, Inc.

Premier Bank, Inc.

First Central Bank, Inc. was acquired by Premier Bank, Inc. 13 years

View Profile Apr 09 2011

First Central Bank, Inc.

First Central Bank, Inc. was established 25 years ago and is currently headquartered in Philippi, WV.

Jun 27 1998

Premier Financial Bancorp, Inc.

Premier Financial Bancorp, Inc. became a new parent organization for First Central Bank, Inc..

View Profile Jun 27 1998
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Premier Bank, Inc. Buyer 1,093,655 Pooling of Interests Discontinued 4/9/2011
Relationships Role Relationship Start Relationship End
Premier Financial Bancorp, Inc. Parent 6/27/1998 4/8/2011
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