One Valley Bank, FSB in Point Pleasant, West Virginia (WV)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 31, 1997

  • One Valley Bank, FSB in Point Pleasant, West Virginia (WV)
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One Valley Bank, FSB - Overview

  • General
  • FDIC Certificate #: 27756
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: One Valley Bank, National Association (#840)
    Federal Reserve ID: 872971
    Date Established: January 01, 1892
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 228
    FDIC's unique #: 40590
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: May 10, 1935
    Last Structure Change Effective Date: October 31, 1997
    Last Structure Change Process Date: November 14, 1997
    Last Data Update: November 14, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 610-612 Viand Street, Point Pleasant, WV 25550
    County: Mason
    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
    Core Based Statistical Area (CBSA): Point Pleasant, WV-OH (#38580)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $55.2 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $7Total assets
  • $61,480Cash and due from depository institutions
  • $470Interest-bearing balances
  • $233Securities
  • $35,090Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $21,090Loan loss allowance
  • $321Trading account assets
  • $0Bank premises and fixed assets
  • $558Other real estate owned
  • $0Goodwill and other intangibles
  • $798Life insurance assets
  • $3,474All other assets
  • $0Total liabilities and capital
  • $61,480Total liabilities
  • $46,941Total deposits
  • $39,875Interest-bearing deposits
  • $39,458Deposits held in domestic offices
  • 39875.00%% insured (estimated)
  • $100Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $5,078Subordinated debt
  • $0All other liabilities
  • $1,988Total equity capital
  • $1,988Total bank equity capital
  • $14,539Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $6,431Undivided profits
  • Memoranda
  • $8,107Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $467Income earned, not collected on loans
  • $109Earning assets
  • $56,413Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $61,366Average Assets, quarterly
  • $61,822Volatile liabilities
  • $5,701Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,046Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $11,000Total risk weighted assets
  • $20,300Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,120Total interest expense
  • $2,256Net interest income
  • $1,864Provision for loan and lease losses
  • $165Total noninterest income
  • $65Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $65Total noninterest expense
  • $1,465Salaries and employee benefits
  • $201Premises and equipment expense
  • $174Additional noninterest expense
  • $1,090Pre-tax net operating income
  • $299Securities gains (losses)
  • $26Applicable income taxes
  • $197Income before extraordinary items
  • $128Extraordinary gains - net
  • $0Net income attributable to bank
  • $128Net charge-offs
  • $6Cash dividends
  • $400Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.32%Cost of funding earning assets
  • 4.01%Net interest margin
  • 3.31%Noninterest income to earning assets
  • 0.12%Noninterest expense to earning assets
  • 2.60%Net operating income to assets
  • 0.18%Return on assets (ROA)
  • 0.21%Pretax return on assets
  • 0.53%Return on equity (ROE)
  • 0.88%Retained earnings to average equity (YTD only)
  • -1.86%Net charge-offs to loans
  • 0.03%Credit loss provision to net charge-offs
  • 2750.00%Efficiency ratio
  • 54,018Assets per employee
  • 8.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 312.50%Loss allowance to loans
  • 1.50%Loss allowance to noncurrent loans
  • 68.74%Noncurrent assets plus other real estate owned to assets
  • 0.76%Noncurrent loans to loans
  • 2.18%Net loans and leases to deposits
  • 52.89%Net loans and leases to core deposits
  • 53.73%Equity capital to assets
  • 23.65%Core capital (leverage) ratio
  • 18.98%Tier 1 risk-based capital ratio
  • 54.19%Total risk-based capital ratio
  • Memoranda
  • $55Average assets
  • $61,366Average earning assets
  • $14,628Average equity
  • $56,254Average loans

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