Bank One, West Virginia, Buckhannon, National Association in Buckhannon, West Virginia (WV)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 30, 1994

  • Bank One, West Virginia, Buckhannon, National Association in Buckhannon, West Virginia (WV)
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Bank One, West Virginia, Buckhannon, National Association - Overview

  • General
  • FDIC Certificate #: 6752
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, West Virginia, National Association (#6768)
    Federal Reserve ID: 632924
    Date Established: November 19, 1932
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    FDIC's unique #: 4532
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: September 30, 1994
    Last Structure Change Process Date: October 13, 1994
    Last Data Update: October 13, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 32 East Main Street, Buckhannon, WV 26201
    County: Upshur
    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: $211.7 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $78Total assets
  • $216,668Cash and due from depository institutions
  • $5,976Interest-bearing balances
  • $0Securities
  • $127,970Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $78,184Loan loss allowance
  • $1,128Trading account assets
  • $0Bank premises and fixed assets
  • $1,864Other real estate owned
  • $0Goodwill and other intangibles
  • $2,674Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $216,668Total liabilities
  • $195,634Total deposits
  • $158,004Interest-bearing deposits
  • $139,913Deposits held in domestic offices
  • 158004.00%% insured (estimated)
  • $95Federal funds purchased & repurchase agreements
  • $35,830Trading liabilities
  • $0Other borrowed funds
  • $960Subordinated debt
  • $0All other liabilities
  • $840Total equity capital
  • $840Total bank equity capital
  • $21,034Perpetual preferred stock
  • $0Common stock
  • $800Surplus
  • $7,604Undivided profits
  • Memoranda
  • $12,630Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7Income earned, not collected on loans
  • $441Earning assets
  • $206,154Long-term assets (5+ years)
  • $92,999Average Assets, year-to-date
  • $197,617Average Assets, quarterly
  • $208,224Volatile liabilities
  • $44,134Insider loans
  • $1,113FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $10,768Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $21,034Total risk weighted assets
  • $97,718Total unused commitments
  • $0Restructured Loans and leases
  • $36,300Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $14,733Total interest expense
  • $5,415Net interest income
  • $9,318Provision for loan and lease losses
  • $240Total noninterest income
  • $454Fiduciary activities
  • $0Service charges on deposit accounts
  • $309Trading account gains & fees
  • $0Additional noninterest income
  • $145Total noninterest expense
  • $4,363Salaries and employee benefits
  • $2,211Premises and equipment expense
  • $475Additional noninterest expense
  • $1,677Pre-tax net operating income
  • $5,169Securities gains (losses)
  • -$369Applicable income taxes
  • $1,229Income before extraordinary items
  • $3,571Extraordinary gains - net
  • $0Net income attributable to bank
  • $3,571Net charge-offs
  • $49Cash dividends
  • $2,259Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.98%Cost of funding earning assets
  • 2.93%Net interest margin
  • 5.05%Noninterest income to earning assets
  • 0.25%Noninterest expense to earning assets
  • 2.36%Net operating income to assets
  • 1.95%Return on assets (ROA)
  • 1.81%Pretax return on assets
  • 2.43%Return on equity (ROE)
  • 17.65%Retained earnings to average equity (YTD only)
  • 6.49%Net charge-offs to loans
  • 0.07%Credit loss provision to net charge-offs
  • 489.80%Efficiency ratio
  • 44,648Assets per employee
  • 2.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 63.26%Loss allowance to loans
  • 1.42%Loss allowance to noncurrent loans
  • 16114.29%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.01%Net loans and leases to deposits
  • 49.48%Net loans and leases to core deposits
  • 51.89%Equity capital to assets
  • 9.71%Core capital (leverage) ratio
  • 10.32%Tier 1 risk-based capital ratio
  • 21.53%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $197,617Average earning assets
  • $20,228Average equity
  • $184,561Average loans

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