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

This bank is inactive as of August 08, 2003

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

  • General
  • FDIC Certificate #: 13391
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, National Association (#6559)
    Federal Reserve ID: 55019
    Date Established: January 01, 1871
    WWW: http://www.bankone.com
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 8 (Interstate: No)
    FDIC's unique #: 8436
    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 02, 1934
    Last Structure Change Effective Date: August 08, 2003
    Last Structure Change Process Date: September 02, 2003
    Last Data Update: September 02, 2003
    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: Chicago
    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: $359.5 mil

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

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2002)

  • Dollar figures in thousands
  • 65Total employees (full-time equivalent)
  • $365,914Total assets
  • $12,087Cash and due from depository institutions
  • $0Interest-bearing balances
  • $2,268Securities
  • $291,453Federal funds sold & reverse repurchase agreements
  • $53,178Net loans & leases
  • $2,097Loan loss allowance
  • $0Trading account assets
  • $3,260Bank premises and fixed assets
  • $363Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $3,305All other assets
  • $365,914Total liabilities and capital
  • $331,310Total liabilities
  • $316,129Total deposits
  • $283,749Interest-bearing deposits
  • $316,129Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $10,599Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $4,582All other liabilities
  • $34,604Total equity capital
  • $34,604Total bank equity capital
  • $34,604Perpetual preferred stock
  • $0Common stock
  • $10,100Surplus
  • $15,608Undivided profits
  • Memoranda
  • $8,896Noncurrent loans and leases
  • $28,577Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $965Earning assets
  • $0Long-term assets (5+ years)
  • $376Average Assets, year-to-date
  • $346,899Average Assets, quarterly
  • $14,459Volatile liabilities
  • $343,295Insider loans
  • $352,155FHLB advances
  • $27,109Loans and leases held for sale
  • $243Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $28,577Total unused commitments
  • $0Restructured Loans and leases
  • $1,485Derivatives

Income and Expense (December 31, 2002)

  • Dollar figures in thousands
  • $8,456Total interest income
  • $7,276Total interest expense
  • $1,180Net interest income
  • $393Provision for loan and lease losses
  • $10,134Total noninterest income
  • $7,209Fiduciary activities
  • $1,489Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,436Additional noninterest income
  • $10,431Total noninterest expense
  • $2,202Salaries and employee benefits
  • $1,195Premises and equipment expense
  • $7,034Additional noninterest expense
  • $490Pre-tax net operating income
  • $0Securities gains (losses)
  • $147Applicable income taxes
  • $343Income before extraordinary items
  • $0Extraordinary gains - net
  • $343Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $366Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2002)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 2.61%Yield on earning assets
  • 2.24%Cost of funding earning assets
  • 0.36%Net interest margin
  • 3.12%Noninterest income to earning assets
  • 3.22%Noninterest expense to earning assets
  • 0.10%Net operating income to assets
  • 0.10%Return on assets (ROA)
  • 0.14%Pretax return on assets
  • 0.99%Return on equity (ROE)
  • 0.99%Retained earnings to average equity (YTD only)
  • 0.56%Net charge-offs to loans
  • 107.38%Credit loss provision to net charge-offs
  • 2.41%Efficiency ratio
  • 92,196Assets per employee
  • 5.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.79%Loss allowance to noncurrent loans
  • 217.31%Noncurrent assets plus other real estate owned to assets
  • 0.36%Noncurrent loans to loans
  • 1.75%Net loans and leases to deposits
  • 16.82%Net loans and leases to core deposits
  • 17.75%Equity capital to assets
  • 9.46%Core capital (leverage) ratio
  • 9.89%Tier 1 risk-based capital ratio
  • 29.27%Total risk-based capital ratio
  • Memoranda
  • $31Average assets
  • $343,295Average earning assets
  • $34,497Average equity
  • $324,298Average loans

Total Fiduciary and Related Assets (December 31, 2002)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $600,646Managed Assets
  • 1Number of Accounts
  • $536,818Personal trust and agency accounts
  • $430,308Employee benefit-defined contribution accounts
  • $11,886Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $8,372Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $86,252Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1094Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $63,828Other retirement accounts
  • $53,567Corporate trust and agency accounts
  • $1,144Other fiduciary accounts
  • $1,044Fiduciary accounts held in foreign offices

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