M. Lee Smith Publishers is working with the West Virginia Bankers Association to update the West Virginia Bankers Association Directory of Banks. Forms were sent by U.S. Postal Service on August 19, 2019 but some banks have not responded. If you wish to receive the update forms via email, contact Rhonda Rankin at rrankin@blr.com or call 1-800-274-6774, ext. 8081. Our deadline is September 23, 2019. We really appreciate your help with this.

Senior leaders of West Virginia, Virginia and Maryland's banking industry are invited to attend and share in stimulating and rewarding sessions targeted at discussing the ever-changing landscape of the financial services arena. Come prepared to engage in discussion on leadership and the future of our industry. Register by 9/25 to be entered into a drawing for a free night at Lansdowne Resort & Spa (does not apply to conference dates).


September 24 & 25, 2019
Four Points by Sheraton
Charleston, WV
This two-day program provides its participants with the knowledge and skills that are necessary to make good lending decisions in response to commercial loan requests. Students will learn a variety of techniques that use financial statements, tax returns, and other financial information to determine the strengths and weaknesses of loan applicants. In addition, this program will also demonstrate how to structure loans that use multiple funding options, consisting of both public and private financing sources. At the conclusion of this program, participants will be able to understand financial information in order to better analyze loan requests from commercial loan borrowers.
Key Topics:
1. The Commercial Lending Process
2. Credit Analysis - What is it?
3. Balance Sheet Overview
  • Current Assets
  • Current Liabilities
  • Working Capital and Operating Cycles
  • Long Term Assets
  • Long Term Liabilities
  • Net Worth
4. The Profit and Loss Statement
  • Sales
  • Cost of Goods Sold
  • Sales, General, and Administrative Expenses
  • Components of Cash Flow
  • The Role of Depreciation
5. Repaying Loans: Cashflow, Collateral and Personal Guarantees

For discounted member pricing use promotional code: wvbankers
HR for Bankers
September 19, 2019
Bridgeport Conference Center Bridgeport, WV

BSA/AML School
October 15 & 16, 2019
Embassy Suites Charleston, WV
Loan Documentation and Secured Commercial Lending/RE Lending
October 17 & 18, 2019
Sam Bowling Conference Center Charleston, WV
Internal Audit School
October 23 & 24, 2019
Stonewall Resort Roanoke, WV
Check Out Our Distance Learning Options:
Member News:
First Community Bankshares, Inc. Announces Acquisition of Highlands Bankshares, Inc.
Clear Mountain Bank Celebrates Second Successful Year of Community Service Program 
Clear Mountain Bank hires Carmen Pennington as Pierpont Centre (Morgantown) Branch Manager
West Virginia Banks Support the United Way of Monongalia and Preston Counties 2020 Campaign 
United Bank Hosts Grand Opening for New Huntington Location 
Hancock County Savings Bank to hold Identity Theft and Fraud Education Seminar
United Bank Honors Veterans at The Greenbrier
Williamstown Bank to open in Lubeck
Do you have news to share?  Please forward your press releases and photos to Allison Boyd