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

This bank is inactive as of September 30, 1994

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

  • General
  • FDIC Certificate #: 6754
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, West Virginia, National Association (#6768)
    Federal Reserve ID: 951120
    Date Established: January 01, 1884
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 9 (Interstate: No)
    OTS Docket #: 9931
    FDIC's unique #: 4534
    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: Charleston National Plaza, Charleston, WV 25301
    County: Kanawha
    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): Charleston, WV (#1480)
    Core Based Statistical Area (CBSA): Charleston, WV (#16620)
    CBSA Metro Statistical Area: Charleston, WV (#16620)
  • Financial Summary
  • Total assets: $486.0 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)
  • $277Total assets
  • $484,699Cash and due from depository institutions
  • $29,312Interest-bearing balances
  • $139Securities
  • $132,101Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $299,431Loan loss allowance
  • $2,120Trading account assets
  • $0Bank premises and fixed assets
  • $13,663Other real estate owned
  • $909Goodwill and other intangibles
  • $6,434Life insurance assets
  • $2,849All other assets
  • $0Total liabilities and capital
  • $484,699Total liabilities
  • $441,497Total deposits
  • $337,325Interest-bearing deposits
  • $272,008Deposits held in domestic offices
  • 337325.00%% insured (estimated)
  • $82Federal funds purchased & repurchase agreements
  • $93,041Trading liabilities
  • $0Other borrowed funds
  • $6,870Subordinated debt
  • $0All other liabilities
  • $4,261Total equity capital
  • $4,261Total bank equity capital
  • $43,202Perpetual preferred stock
  • $0Common stock
  • $6,394Surplus
  • $10,788Undivided profits
  • Memoranda
  • $26,020Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $799Income earned, not collected on loans
  • $1,273Earning assets
  • $431,671Long-term assets (5+ years)
  • $81,112Average Assets, year-to-date
  • $465,797Average Assets, quarterly
  • $473,144Volatile liabilities
  • $113,695Insider loans
  • $40,536FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $85,958Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $40,353Total risk weighted assets
  • $318,570Total unused commitments
  • $0Restructured Loans and leases
  • $338,000Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $31,770Total interest expense
  • $10,841Net interest income
  • $20,929Provision for loan and lease losses
  • $701Total noninterest income
  • $7,499Fiduciary activities
  • $3,087Service charges on deposit accounts
  • $1,374Trading account gains & fees
  • $0Additional noninterest income
  • $3,038Total noninterest expense
  • $17,755Salaries and employee benefits
  • $9,263Premises and equipment expense
  • $892Additional noninterest expense
  • $7,600Pre-tax net operating income
  • $9,972Securities gains (losses)
  • $144Applicable income taxes
  • $3,345Income before extraordinary items
  • $6,771Extraordinary gains - net
  • $0Net income attributable to bank
  • $6,771Net charge-offs
  • $2,682Cash dividends
  • $4,195Sale, 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
  • 7.62%Cost of funding earning assets
  • 2.60%Net interest margin
  • 5.02%Noninterest income to earning assets
  • 1.80%Noninterest expense to earning assets
  • 4.26%Net operating income to assets
  • 1.43%Return on assets (ROA)
  • 1.45%Pretax return on assets
  • 2.17%Return on equity (ROE)
  • 16.10%Retained earnings to average equity (YTD only)
  • 6.13%Net charge-offs to loans
  • 0.93%Credit loss provision to net charge-offs
  • 26.14%Efficiency ratio
  • 61,566Assets per employee
  • 1.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 61.96%Loss allowance to loans
  • 0.70%Loss allowance to noncurrent loans
  • 265.33%Noncurrent assets plus other real estate owned to assets
  • 0.35%Noncurrent loans to loans
  • 0.26%Net loans and leases to deposits
  • 88.77%Net loans and leases to core deposits
  • 92.55%Equity capital to assets
  • 8.91%Core capital (leverage) ratio
  • 8.54%Tier 1 risk-based capital ratio
  • 12.67%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $465,797Average earning assets
  • $42,047Average equity
  • $416,949Average loans

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