One Valley Bank-East, National Association in Martinsburg, West Virginia (WV)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 10, 2000

  • One Valley Bank-East, National Association in Martinsburg, West Virginia (WV)
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One Valley Bank-East, National Association - Overview

  • General
  • FDIC Certificate #: 6775
    Status: Inactive
    Closing history: Office Sold
    Acquiring institution: Branch Banking and Trust Company (#9846)
    Federal Reserve ID: 761637
    Date Established: October 29, 1892
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 12 (Interstate: No)
    OTS Docket #: 12510
    FDIC's unique #: 4552
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: November 10, 2000
    Last Structure Change Process Date: January 17, 2001
    Last Data Update: January 17, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: 148 South Queen Street, Martinsburg, WV 25401
    County: Berkeley
    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)
    Core Based Statistical Area (CBSA): Hagerstown-Martinsburg, MD-WV (#25180)
    CBSA Metro Statistical Area: Hagerstown-Martinsburg, MD-WV (#25180)
  • History of Changes
  • Merger - Without Assistance
    Office Sold
  • Financial Summary
  • Total assets: $471.9 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 156Total employees (full-time equivalent)
  • $447,674Total assets
  • $13,135Cash and due from depository institutions
  • $66Interest-bearing balances
  • $71,908Securities
  • $7,023Federal funds sold & reverse repurchase agreements
  • $341,567Net loans & leases
  • $4,306Loan loss allowance
  • $0Trading account assets
  • $7,333Bank premises and fixed assets
  • $236Other real estate owned
  • $1,229Goodwill and other intangibles
  • $0Life insurance assets
  • $5,243All other assets
  • $447,674Total liabilities and capital
  • $415,338Total liabilities
  • $348,533Total deposits
  • $306,947Interest-bearing deposits
  • $348,533Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $37,145Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $27,053Other borrowed funds
  • $0Subordinated debt
  • $2,607All other liabilities
  • $32,336Total equity capital
  • $32,336Total bank equity capital
  • $32,336Perpetual preferred stock
  • $0Common stock
  • $712Surplus
  • $11,628Undivided profits
  • Memoranda
  • $19,996Noncurrent loans and leases
  • $57,072Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2,175Earning assets
  • $0Long-term assets (5+ years)
  • $1,585Average Assets, year-to-date
  • $420,564Average Assets, quarterly
  • $170,827Volatile liabilities
  • $433,596Insider loans
  • $449,727FHLB advances
  • $77,194Loans and leases held for sale
  • $8,398Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $15,000Tier 2 risk-based capital
  • $842Total risk weighted assets
  • $57,072Total unused commitments
  • $0Restructured Loans and leases
  • $3,781Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $32,660Total interest income
  • $14,305Total interest expense
  • $18,355Net interest income
  • $364Provision for loan and lease losses
  • $3,414Total noninterest income
  • $0Fiduciary activities
  • $1,752Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,662Additional noninterest income
  • $11,107Total noninterest expense
  • $5,303Salaries and employee benefits
  • $1,742Premises and equipment expense
  • $4,062Additional noninterest expense
  • $10,298Pre-tax net operating income
  • $0Securities gains (losses)
  • $3,610Applicable income taxes
  • $6,688Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,688Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $428Sale, conversion, retirement of capital stock, net
  • $1,800Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.95%Yield on earning assets
  • 3.48%Cost of funding earning assets
  • 4.47%Net interest margin
  • 0.83%Noninterest income to earning assets
  • 2.70%Noninterest expense to earning assets
  • 1.54%Net operating income to assets
  • 1.54%Return on assets (ROA)
  • 2.38%Pretax return on assets
  • 22.12%Return on equity (ROE)
  • 16.16%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 85.05%Credit loss provision to net charge-offs
  • 24.91%Efficiency ratio
  • 50,393Assets per employee
  • 2.87%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 26.91%Loss allowance to loans
  • 1.24%Loss allowance to noncurrent loans
  • 197.98%Noncurrent assets plus other real estate owned to assets
  • 0.54%Noncurrent loans to loans
  • 0.63%Net loans and leases to deposits
  • 98.00%Net loans and leases to core deposits
  • 107.28%Equity capital to assets
  • 7.22%Core capital (leverage) ratio
  • 7.09%Tier 1 risk-based capital ratio
  • 10.51%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $433,596Average earning assets
  • $30,239Average equity
  • $410,695Average loans

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