<PAGE> 1
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
FORM 10-K/A
(Mark One)
X ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
-------- SECURITIES EXCHANGE ACT OF 1934 (FEE REQUIRED)
For the Fiscal Year Ended December 31, 1996
-------- TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934 (NO FEE REQUIRED)
For the transition period from ____________ to ____________
Commission File Number 0-8467
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WESBANCO, INC.
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(Exact name of Registrant as specified in its charter)
WEST VIRGINIA 55-0571723
- ------------------------------- ---------------------------------
(State or other jurisdiction of (IRS Employer Identification No.)
incorporation or organization)
1 Bank Plaza, Wheeling, WV 26003
- ---------------------------------------- ----------
(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: 304-234-9000
----------------
Securities registered pursuant to Section 12(b) of the Act: None
Securities registered pursuant to Section 12(g) of the Act:
Title of each class Name of each Exchange on which registered
- ------------------------------ ------------------------------------------
Common Stock $2.0833 Par Value National Association of Securities Dealers,
Inc.
Nonredeemable Preferred Stock None
Indicate by check mark if disclosure of delinquent filers pursuant to Item
405 of Regulation S-K is not contained herein, and will not be contained, to
the best of registrant's knowledge, in definitive proxy or information
statements incorporated by reference in Part III of this Form 10-K of any
amendment to this Form 10-K. _____
Indicate by check mark whether the Registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act
of 1934 during the preceding 12 months (or for such shorter period that the
Registrant was required to file such reports), and (2) has been subject to
such filing requirements for the past 90 days. Yes X No
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The aggregate market value of voting stock computed using the average of the
bid and ask prices held by non-affiliates of the Registrant on February 28,
1997 was approximately $302,381,308.
(APPLICABLE ONLY TO CORPORATE REGISTRANTS)
As of February 28, 1997, there were 10,510,296 shares of WesBanco, Inc.
Common stock $2.0833 par value, outstanding.
DOCUMENTS INCORPORATED BY REFERENCE
Portions of WesBanco, Inc.'s 1996 Annual Report to Shareholders - Parts II
and III
Portions of the Registrant's definitive proxy statement to be filed pursuant
to Regulation 14A not later than 120 days after the end of the fiscal year
(December 31, 1996) are incorporated by reference in Part III.
Page 1 of 2
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Through the filing of this Form 10-K/A, the Registrant is amending its Annual
Report on Form 10-K for the period ending December 31, 1996 to resubmit
electronically, via the EDGAR filing system, the Financial Data Schedule
(Exhibit 27) as a separate electronic document. WesBanco included such
exhibit in its original filing, however, did not establish the schedule as
a separate document as required under the EDGAR filing system. Accordingly,
the EDGAR system was unable to locate and process the document correctly.
For EDGAR filing purposes only, the Financial Data Schedule is included
herein as Exhibit 27.
A Financial Data Schedule, which is designed only for electronic submission
via EDGAR, is required by the Securities and Exchange Commission to be
submitted with any electronic filing which includes new financial statements
for a recent fiscal year or interim period.
SIGNATURES
Pursuant to the Requirements of Section 13 or 15(d) of the Securities
Exchange Act of 1934, the Registrant has duly caused this report to be
signed on its behalf by the undersigned, thereunto duly authorized, on
May 8, 1997.
WESBANCO, INC.
By:/s/ Edward M. George
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Edward M. George
President and Chief Executive Officer
By:/s/ Paul M. Limbert
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Paul M. Limbert
Executive Vice President and
Chief Financial Officer
<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1000
<S> <C> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-13-1996
<PERIOD-END> DEC-31-1996
<CASH> 58,828
<INT-BEARING-DEPOSITS> 197
<FED-FUNDS-SOLD> 10,970
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 276,201
<INVESTMENTS-CARRYING> 249,108
<INVESTMENTS-MARKET> 250,132
<LOANS> 1,026,370
<ALLOWANCE> 15,528
<TOTAL-ASSETS> 1,677,771
<DEPOSITS> 1,342,820
<SHORT-TERM> 92,771
<LIABILITIES-OTHER> 14,234
<LONG-TERM> 413
0
0
<COMMON> 21,956
<OTHER-SE> 205,576
<TOTAL-LIABILITIES-AND-EQUITY> 1,677,771
<INTEREST-LOAN> 81,449
<INTEREST-INVEST> 29,708
<INTEREST-OTHER> 1,781
<INTEREST-TOTAL> 112,938
<INTEREST-DEPOSIT> 44,432
<INTEREST-EXPENSE> 48,218
<INTEREST-INCOME-NET> 64,720
<LOAN-LOSSES> 4,336
<SECURITIES-GAINS> 239
<EXPENSE-OTHER> 43,152
<INCOME-PRETAX> 29,505
<INCOME-PRE-EXTRAORDINARY> 29,505
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 21,161
<EPS-PRIMARY> 2.08
<EPS-DILUTED> 2.08
<YIELD-ACTUAL> 4.37
<LOANS-NON> 4,664
<LOANS-PAST> 4,105
<LOANS-TROUBLED> 5,621
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 13,439
<CHARGE-OFFS> 3,474
<RECOVERIES> 520
<ALLOWANCE-CLOSE> 15,528
<ALLOWANCE-DOMESTIC> 15,528
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 6,601
</TABLE>
