One Valley Bank, Inc. in Morgantown, West Virginia (WV)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 10, 2000

  • One Valley Bank, Inc. in Morgantown, West Virginia (WV)
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One Valley Bank, Inc. - Overview

  • General
  • FDIC Certificate #: 12658
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Branch Banking and Trust Company (#9846)
    Federal Reserve ID: 773939
    Date Established: January 01, 1911
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 18 (Interstate: No)
    OTS Docket #: 10739
    FDIC's unique #: 8034
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: November 10, 2000
    Last Structure Change Process Date: January 05, 2001
    Last Data Update: January 05, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: 466 High Street, Morgantown, WV 26505
    County: Monongalia
    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): Morgantown, WV (#34060)
    CBSA Metro Statistical Area: Morgantown, WV (#34060)
  • Financial Summary
  • Total assets: $960.5 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
  • 308Total employees (full-time equivalent)
  • $962,787Total assets
  • $24,503Cash and due from depository institutions
  • $246Interest-bearing balances
  • $205,819Securities
  • $19,292Federal funds sold & reverse repurchase agreements
  • $685,084Net loans & leases
  • $8,477Loan loss allowance
  • $0Trading account assets
  • $10,656Bank premises and fixed assets
  • $115Other real estate owned
  • $81Goodwill and other intangibles
  • $0Life insurance assets
  • $17,237All other assets
  • $962,787Total liabilities and capital
  • $897,861Total liabilities
  • $720,261Total deposits
  • $629,782Interest-bearing deposits
  • $720,261Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $101,654Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $69,296Other borrowed funds
  • $0Subordinated debt
  • $6,650All other liabilities
  • $64,926Total equity capital
  • $64,926Total bank equity capital
  • $64,926Perpetual preferred stock
  • $0Common stock
  • $1,999Surplus
  • $21,662Undivided profits
  • Memoranda
  • $41,265Noncurrent loans and leases
  • $106,163Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,414Earning assets
  • $6Long-term assets (5+ years)
  • $3,503Average Assets, year-to-date
  • $910,441Average Assets, quarterly
  • $522,602Volatile liabilities
  • $928,236Insider loans
  • $969,557FHLB advances
  • $199,109Loans and leases held for sale
  • $8,122Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $31,000Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $106,163Total unused commitments
  • $0Restructured Loans and leases
  • $7,656Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $69,151Total interest income
  • $32,201Total interest expense
  • $36,950Net interest income
  • $163Provision for loan and lease losses
  • $7,630Total noninterest income
  • $0Fiduciary activities
  • $3,172Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,458Additional noninterest income
  • $23,012Total noninterest expense
  • $10,225Salaries and employee benefits
  • $3,416Premises and equipment expense
  • $9,371Additional noninterest expense
  • $21,405Pre-tax net operating income
  • $35Securities gains (losses)
  • $7,164Applicable income taxes
  • $14,276Income before extraordinary items
  • $0Extraordinary gains - net
  • $14,276Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $157Sale, conversion, retirement of capital stock, net
  • $9,550Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.84%Yield on earning assets
  • 3.65%Cost of funding earning assets
  • 4.19%Net interest margin
  • 0.87%Noninterest income to earning assets
  • 2.61%Noninterest expense to earning assets
  • 1.54%Net operating income to assets
  • 1.54%Return on assets (ROA)
  • 2.31%Pretax return on assets
  • 22.42%Return on equity (ROE)
  • 7.42%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 103.82%Credit loss provision to net charge-offs
  • 137.38%Efficiency ratio
  • 51,539Assets per employee
  • 3.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 66.90%Loss allowance to loans
  • 1.22%Loss allowance to noncurrent loans
  • 599.50%Noncurrent assets plus other real estate owned to assets
  • 0.16%Noncurrent loans to loans
  • 0.20%Net loans and leases to deposits
  • 95.12%Net loans and leases to core deposits
  • 106.49%Equity capital to assets
  • 6.74%Core capital (leverage) ratio
  • 7.00%Tier 1 risk-based capital ratio
  • 11.18%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $928,236Average earning assets
  • $63,667Average equity
  • $881,633Average loans
Bonnie Rae Fisher
Report this comment as inappropriate
Oct 6, 2021 @ 11:11 am
I would like to apply for a consolidation loan. How do I go about doing this?

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