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

This bank is inactive as of April 11, 1994

  • 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 #: 6776
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: One Valley Bank-East, National Association (#6775)
    Federal Reserve ID: 764236
    Date Established: August 12, 1865
    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)
    OTS Docket #: 9830
    FDIC's unique #: 4553
    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: April 11, 1994
    Last Structure Change Process Date: May 02, 1994
    Last Data Update: May 02, 1994
    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)
  • Financial Summary
  • Total assets: $179.3 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)
  • $113Total assets
  • $182,431Cash and due from depository institutions
  • $8,597Interest-bearing balances
  • $39Securities
  • $56,967Federal funds sold & reverse repurchase agreements
  • $644Net loans & leases
  • $107,710Loan loss allowance
  • $2,165Trading account assets
  • $0Bank premises and fixed assets
  • $4,451Other real estate owned
  • $1,207Goodwill and other intangibles
  • $2,855Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $182,431Total liabilities
  • $167,973Total deposits
  • $154,392Interest-bearing deposits
  • $136,731Deposits held in domestic offices
  • 154392.00%% insured (estimated)
  • $84Federal funds purchased & repurchase agreements
  • $4,214Trading liabilities
  • $0Other borrowed funds
  • $8,155Subordinated debt
  • $0All other liabilities
  • $1,212Total equity capital
  • $1,212Total bank equity capital
  • $14,458Perpetual preferred stock
  • $0Common stock
  • $5,000Surplus
  • $5,000Undivided profits
  • Memoranda
  • $4,458Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,729Income earned, not collected on loans
  • $602Earning assets
  • $165,360Long-term assets (5+ years)
  • $47,674Average Assets, year-to-date
  • $178,532Average Assets, quarterly
  • $184,747Volatile liabilities
  • $19,888Insider loans
  • $7,117FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $11,034Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $14,458Total risk weighted assets
  • $115,592Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $13,405Total interest expense
  • $5,805Net interest income
  • $7,600Provision for loan and lease losses
  • $460Total noninterest income
  • $1,552Fiduciary activities
  • $470Service charges on deposit accounts
  • $514Trading account gains & fees
  • $0Additional noninterest income
  • $568Total noninterest expense
  • $7,297Salaries and employee benefits
  • $3,035Premises and equipment expense
  • $927Additional noninterest expense
  • $3,335Pre-tax net operating income
  • $1,395Securities gains (losses)
  • $44Applicable income taxes
  • $315Income before extraordinary items
  • $1,124Extraordinary gains - net
  • $80Net income attributable to bank
  • $1,204Net charge-offs
  • $501Cash dividends
  • $1,005Sale, 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
  • 8.38%Cost of funding earning assets
  • 3.63%Net interest margin
  • 4.75%Noninterest income to earning assets
  • 0.97%Noninterest expense to earning assets
  • 4.56%Net operating income to assets
  • 0.61%Return on assets (ROA)
  • 0.67%Pretax return on assets
  • 0.85%Return on equity (ROE)
  • 8.25%Retained earnings to average equity (YTD only)
  • 1.36%Net charge-offs to loans
  • 0.48%Credit loss provision to net charge-offs
  • 91.82%Efficiency ratio
  • 79,731Assets per employee
  • 1.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 83.47%Loss allowance to loans
  • 1.97%Loss allowance to noncurrent loans
  • 79.33%Noncurrent assets plus other real estate owned to assets
  • 2.16%Noncurrent loans to loans
  • 2.48%Net loans and leases to deposits
  • 69.76%Net loans and leases to core deposits
  • 73.34%Equity capital to assets
  • 7.93%Core capital (leverage) ratio
  • 7.86%Tier 1 risk-based capital ratio
  • 12.51%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $178,532Average earning assets
  • $14,586Average equity
  • $160,005Average loans

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