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

This bank is inactive as of September 30, 1994

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

  • General
  • FDIC Certificate #: 6806
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, West Virginia, National Association (#6768)
    Federal Reserve ID: 857530
    Date Established: January 01, 1905
    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 #: 4578
    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: 101 East Second Avenue, Williamson, WV 25661
    County: Mingo
    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: $68.0 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)
  • $28Total assets
  • $71,379Cash and due from depository institutions
  • $1,515Interest-bearing balances
  • $0Securities
  • $37,051Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $31,066Loan loss allowance
  • $390Trading account assets
  • $0Bank premises and fixed assets
  • $511Other real estate owned
  • $140Goodwill and other intangibles
  • $1,096Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $71,379Total liabilities
  • $63,089Total deposits
  • $58,379Interest-bearing deposits
  • $51,370Deposits held in domestic offices
  • 58379.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $4,274Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $436Total equity capital
  • $436Total bank equity capital
  • $8,290Perpetual preferred stock
  • $0Common stock
  • $200Surplus
  • $4,000Undivided profits
  • Memoranda
  • $4,090Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $544Income earned, not collected on loans
  • $129Earning assets
  • $68,117Long-term assets (5+ years)
  • $18,440Average Assets, year-to-date
  • $69,435Average Assets, quarterly
  • $69,747Volatile liabilities
  • $7,004Insider loans
  • $268FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $2,013Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $8,290Total risk weighted assets
  • $33,070Total unused commitments
  • $0Restructured Loans and leases
  • $21,750Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $5,530Total interest expense
  • $1,857Net interest income
  • $3,673Provision for loan and lease losses
  • $180Total noninterest income
  • $233Fiduciary activities
  • $0Service charges on deposit accounts
  • $113Trading account gains & fees
  • $0Additional noninterest income
  • $120Total noninterest expense
  • $1,922Salaries and employee benefits
  • $914Premises and equipment expense
  • $178Additional noninterest expense
  • $830Pre-tax net operating income
  • $1,804Securities gains (losses)
  • $3Applicable income taxes
  • $618Income before extraordinary items
  • $1,189Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,189Net charge-offs
  • $177Cash dividends
  • $510Sale, 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
  • 8.36%Cost of funding earning assets
  • 2.81%Net interest margin
  • 5.55%Noninterest income to earning assets
  • 0.35%Noninterest expense to earning assets
  • 2.91%Net operating income to assets
  • 1.71%Return on assets (ROA)
  • 1.71%Pretax return on assets
  • 2.60%Return on equity (ROE)
  • 14.89%Retained earnings to average equity (YTD only)
  • 8.50%Net charge-offs to loans
  • 0.57%Credit loss provision to net charge-offs
  • 101.69%Efficiency ratio
  • 49,206Assets per employee
  • 2.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 42.89%Loss allowance to loans
  • 1.24%Loss allowance to noncurrent loans
  • 71.69%Noncurrent assets plus other real estate owned to assets
  • 0.96%Noncurrent loans to loans
  • 1.73%Net loans and leases to deposits
  • 53.21%Net loans and leases to core deposits
  • 55.82%Equity capital to assets
  • 11.61%Core capital (leverage) ratio
  • 11.89%Tier 1 risk-based capital ratio
  • 25.07%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $69,435Average earning assets
  • $7,984Average equity
  • $66,127Average loans

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