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

This bank is inactive as of November 10, 2000

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

  • General
  • FDIC Certificate #: 840
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Branch Banking and Trust Company (#9846)
    Federal Reserve ID: 575423
    Date Established: April 08, 1867
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 30 (Interstate: No)
    OTS Docket #: 9888
    FDIC's unique #: 526
    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 10, 2001
    Last Data Update: January 10, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: One Valley Square, Lee And Summers Streets, Charleston, WV 25326
    County: Kanawha
    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): Charleston, WV (#1480)
    Core Based Statistical Area (CBSA): Charleston, WV (#16620)
    CBSA Metro Statistical Area: Charleston, WV (#16620)
  • Financial Summary
  • Total assets: $2,292.0 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
  • 864Total employees (full-time equivalent)
  • $2,499,477Total assets
  • $146,928Cash and due from depository institutions
  • $3,625Interest-bearing balances
  • $574,153Securities
  • $195,368Federal funds sold & reverse repurchase agreements
  • $1,498,364Net loans & leases
  • $20,028Loan loss allowance
  • $0Trading account assets
  • $29,935Bank premises and fixed assets
  • $458Other real estate owned
  • $6,695Goodwill and other intangibles
  • $0Life insurance assets
  • $47,576All other assets
  • $2,499,477Total liabilities and capital
  • $2,345,054Total liabilities
  • $1,389,653Total deposits
  • $1,123,552Interest-bearing deposits
  • $1,389,653Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $578,425Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $354,276Other borrowed funds
  • $0Subordinated debt
  • $22,700All other liabilities
  • $154,423Total equity capital
  • $154,423Total bank equity capital
  • $154,423Perpetual preferred stock
  • $0Common stock
  • $8,638Surplus
  • $56,473Undivided profits
  • Memoranda
  • $89,312Noncurrent loans and leases
  • $376,033Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $5,684Earning assets
  • $344Long-term assets (5+ years)
  • $8,080Average Assets, year-to-date
  • $2,271,510Average Assets, quarterly
  • $901,804Volatile liabilities
  • $2,262,119Insider loans
  • $2,398,293FHLB advances
  • $763,512Loans and leases held for sale
  • $82,067Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $537,461Tier 2 risk-based capital
  • $3,567Total risk weighted assets
  • $376,033Total unused commitments
  • $0Restructured Loans and leases
  • $19,356Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $152,734Total interest income
  • $76,820Total interest expense
  • $75,914Net interest income
  • $6,776Provision for loan and lease losses
  • $47,855Total noninterest income
  • $13,883Fiduciary activities
  • $8,005Service charges on deposit accounts
  • $0Trading account gains & fees
  • $25,967Additional noninterest income
  • $72,812Total noninterest expense
  • $32,906Salaries and employee benefits
  • $10,115Premises and equipment expense
  • $29,791Additional noninterest expense
  • $44,181Pre-tax net operating income
  • $166Securities gains (losses)
  • $15,035Applicable income taxes
  • $29,312Income before extraordinary items
  • $0Extraordinary gains - net
  • $29,312Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $4,996Sale, conversion, retirement of capital stock, net
  • $10,250Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.37%Yield on earning assets
  • 3.71%Cost of funding earning assets
  • 3.67%Net interest margin
  • 2.31%Noninterest income to earning assets
  • 3.52%Noninterest expense to earning assets
  • 1.29%Net operating income to assets
  • 1.30%Return on assets (ROA)
  • 1.96%Pretax return on assets
  • 19.74%Return on equity (ROE)
  • 12.84%Retained earnings to average equity (YTD only)
  • 0.34%Net charge-offs to loans
  • 135.63%Credit loss provision to net charge-offs
  • 10.20%Efficiency ratio
  • 57,633Assets per employee
  • 2.89%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 34.97%Loss allowance to loans
  • 1.32%Loss allowance to noncurrent loans
  • 352.36%Noncurrent assets plus other real estate owned to assets
  • 0.25%Noncurrent loans to loans
  • 0.37%Net loans and leases to deposits
  • 107.82%Net loans and leases to core deposits
  • 114.94%Equity capital to assets
  • 6.18%Core capital (leverage) ratio
  • 7.02%Tier 1 risk-based capital ratio
  • 10.43%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $2,262,119Average earning assets
  • $148,484Average equity
  • $2,071,134Average loans

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