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

This bank is inactive as of January 01, 1996

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

  • General
  • FDIC Certificate #: 6745
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, Wheeling-Steubenville, National Association (#13391)
    Federal Reserve ID: 675529
    Date Established: Febuary 05, 1817
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 4526
    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: January 01, 1996
    Last Structure Change Process Date: Febuary 08, 1996
    Last Data Update: Febuary 08, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 1114 Market Street, Wheeling, WV 26003
    County: Ohio
    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): Wheeling, WV-OH (#9000)
    Core Based Statistical Area (CBSA): Wheeling, WV-OH (#48540)
    CBSA Metro Statistical Area: Wheeling, WV-OH (#48540)
  • Financial Summary
  • Total assets: $186.3 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $82Total assets
  • $186,336Cash and due from depository institutions
  • $6,259Interest-bearing balances
  • $0Securities
  • $59,569Federal funds sold & reverse repurchase agreements
  • $14,200Net loans & leases
  • $100,384Loan loss allowance
  • $1,020Trading account assets
  • $0Bank premises and fixed assets
  • $3,652Other real estate owned
  • $0Goodwill and other intangibles
  • $2,272Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $186,336Total liabilities
  • $164,070Total deposits
  • $159,820Interest-bearing deposits
  • $147,850Deposits held in domestic offices
  • 159820.00%% insured (estimated)
  • $91Federal funds purchased & repurchase agreements
  • $2,292Trading liabilities
  • $0Other borrowed funds
  • $32Subordinated debt
  • $0All other liabilities
  • $1,926Total equity capital
  • $1,926Total bank equity capital
  • $22,266Perpetual preferred stock
  • $0Common stock
  • $4,900Surplus
  • $4,900Undivided profits
  • Memoranda
  • $12,466Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $243Income earned, not collected on loans
  • $547Earning assets
  • $174,153Long-term assets (5+ years)
  • $32,074Average Assets, year-to-date
  • $196,842Average Assets, quarterly
  • $191,170Volatile liabilities
  • $6,825Insider loans
  • $2,896FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $13,070Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $21,956Total risk weighted assets
  • $124,441Total unused commitments
  • $0Restructured Loans and leases
  • $52,077Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $13,935Total interest expense
  • $6,623Net interest income
  • $7,312Provision for loan and lease losses
  • $19Total noninterest income
  • $4,303Fiduciary activities
  • $3,793Service charges on deposit accounts
  • $310Trading account gains & fees
  • $0Additional noninterest income
  • $200Total noninterest expense
  • $7,179Salaries and employee benefits
  • $2,713Premises and equipment expense
  • $687Additional noninterest expense
  • $3,779Pre-tax net operating income
  • $4,417Securities gains (losses)
  • -$41Applicable income taxes
  • $1,439Income before extraordinary items
  • $2,937Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,937Net charge-offs
  • $147Cash dividends
  • $5,886Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.56%Cost of funding earning assets
  • 3.59%Net interest margin
  • 3.97%Noninterest income to earning assets
  • 2.33%Noninterest expense to earning assets
  • 3.89%Net operating income to assets
  • 1.51%Return on assets (ROA)
  • 1.49%Pretax return on assets
  • 2.22%Return on equity (ROE)
  • 12.07%Retained earnings to average equity (YTD only)
  • -12.12%Net charge-offs to loans
  • 0.14%Credit loss provision to net charge-offs
  • 12.93%Efficiency ratio
  • 61,808Assets per employee
  • 2.27%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 200.41%Loss allowance to loans
  • 1.01%Loss allowance to noncurrent loans
  • 419.75%Noncurrent assets plus other real estate owned to assets
  • 0.13%Noncurrent loans to loans
  • 0.24%Net loans and leases to deposits
  • 62.81%Net loans and leases to core deposits
  • 64.63%Equity capital to assets
  • 11.95%Core capital (leverage) ratio
  • 11.31%Tier 1 risk-based capital ratio
  • 17.64%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $196,842Average earning assets
  • $24,339Average equity
  • $184,337Average loans

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