Bank One, West Virginia, Charles Town in Charles Town, West Virginia (WV)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 30, 1994

  • Bank One, West Virginia, Charles Town in Charles Town, West Virginia (WV)
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Bank One, West Virginia, Charles Town - Overview

  • General
  • FDIC Certificate #: 9028
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, West Virginia, National Association (#6768)
    Federal Reserve ID: 638122
    Date Established: May 08, 1906
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 5769
    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 30, 1994
    Last Structure Change Process Date: October 13, 1994
    Last Data Update: October 13, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: West Washington Street, Charles Town, WV 25414
    County: Jefferson
    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
    Metropolitan Statistical Area (MSA): Washington, DC-MD-VA-WV (#8840)
    Consolidated Metropolitan Statistical Area (CMSA): Washington-Baltimore, DC-MD-VA-WV (#97)
    Combined Statistical Area (CSA): Washington-Baltimore-Northern Virginia, DC-MD-VA-WV (#548)
    Core Based Statistical Area (CBSA): Washington-Arlington-Alexandria, DC-VA-MD-WV (#47900)
    CBSA Metro Statistical Area: Washington-Arlington-Alexandria, DC-VA-MD-WV (#47900)
    Core Based Statistical Division: Washington-Arlington-Alexandria, DC-VA-MD-WV (#47894)
  • Financial Summary
  • Total assets: $73.8 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)
  • $43Total assets
  • $71,729Cash and due from depository institutions
  • $3,096Interest-bearing balances
  • $0Securities
  • $22,596Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $43,598Loan loss allowance
  • $1,360Trading account assets
  • $0Bank premises and fixed assets
  • $1,632Other real estate owned
  • $0Goodwill and other intangibles
  • $728Life insurance assets
  • $79All other assets
  • $0Total liabilities and capital
  • $71,729Total liabilities
  • $66,963Total deposits
  • $54,176Interest-bearing deposits
  • $50,429Deposits held in domestic offices
  • 54176.00%% insured (estimated)
  • $93Federal funds purchased & repurchase agreements
  • $12,480Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $307Total equity capital
  • $307Total bank equity capital
  • $4,766Perpetual preferred stock
  • $0Common stock
  • $295Surplus
  • $4,227Undivided profits
  • Memoranda
  • $244Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $821Income earned, not collected on loans
  • $315Earning assets
  • $66,194Long-term assets (5+ years)
  • $12,631Average Assets, year-to-date
  • $66,710Average Assets, quarterly
  • $70,306Volatile liabilities
  • $14,179Insider loans
  • $1,819FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $5,630Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,687Total risk weighted assets
  • $47,455Total unused commitments
  • $0Restructured Loans and leases
  • $2,500Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,905Total interest expense
  • $2,144Net interest income
  • $2,761Provision for loan and lease losses
  • $90Total noninterest income
  • $362Fiduciary activities
  • $0Service charges on deposit accounts
  • $147Trading account gains & fees
  • $0Additional noninterest income
  • $215Total noninterest expense
  • $2,357Salaries and employee benefits
  • $1,089Premises and equipment expense
  • $263Additional noninterest expense
  • $1,005Pre-tax net operating income
  • $676Securities gains (losses)
  • $0Applicable income taxes
  • $272Income before extraordinary items
  • $404Extraordinary gains - net
  • $0Net income attributable to bank
  • $404Net charge-offs
  • $39Cash dividends
  • $174Sale, 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
  • 7.97%Cost of funding earning assets
  • 3.48%Net interest margin
  • 4.48%Noninterest income to earning assets
  • 0.59%Noninterest expense to earning assets
  • 3.83%Net operating income to assets
  • 0.61%Return on assets (ROA)
  • 0.61%Pretax return on assets
  • 1.01%Return on equity (ROE)
  • 8.65%Retained earnings to average equity (YTD only)
  • 4.92%Net charge-offs to loans
  • 0.10%Credit loss provision to net charge-offs
  • 230.77%Efficiency ratio
  • 74,640Assets per employee
  • 1.67%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 43.07%Loss allowance to loans
  • 3.03%Loss allowance to noncurrent loans
  • 165.65%Noncurrent assets plus other real estate owned to assets
  • 1.14%Noncurrent loans to loans
  • 1.83%Net loans and leases to deposits
  • 80.47%Net loans and leases to core deposits
  • 83.08%Equity capital to assets
  • 6.64%Core capital (leverage) ratio
  • 6.66%Tier 1 risk-based capital ratio
  • 9.88%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $66,710Average earning assets
  • $4,671Average equity
  • $61,573Average loans

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