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

This bank is inactive as of November 10, 2000

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

  • General
  • FDIC Certificate #: 14306
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Branch Banking and Trust Company (#9846)
    Federal Reserve ID: 638029
    Date Established: April 20, 1903
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Interstate: No)
    OTS Docket #: 10840
    FDIC's unique #: 8934
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: April 30, 1934
    Last Structure Change Effective Date: November 10, 2000
    Last Structure Change Process Date: January 09, 2001
    Last Data Update: January 09, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: 414-418 Jefferson Avenue, Moundsville, WV 26041
    County: Marshall
    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): Wheeling, WV-OH (#9000)
    Core Based Statistical Area (CBSA): Wheeling, WV-OH (#48540)
    CBSA Metro Statistical Area: Wheeling, WV-OH (#48540)
  • Financial Summary
  • Total assets: $270.0 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
  • 95Total employees (full-time equivalent)
  • $267,148Total assets
  • $9,273Cash and due from depository institutions
  • $1Interest-bearing balances
  • $80,086Securities
  • $500Federal funds sold & reverse repurchase agreements
  • $170,947Net loans & leases
  • $1,994Loan loss allowance
  • $0Trading account assets
  • $2,520Bank premises and fixed assets
  • $122Other real estate owned
  • $25Goodwill and other intangibles
  • $0Life insurance assets
  • $3,675All other assets
  • $267,148Total liabilities and capital
  • $249,424Total liabilities
  • $227,062Total deposits
  • $202,235Interest-bearing deposits
  • $227,062Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $8,581Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $12,602Other borrowed funds
  • $0Subordinated debt
  • $1,179All other liabilities
  • $17,724Total equity capital
  • $17,724Total bank equity capital
  • $17,724Perpetual preferred stock
  • $0Common stock
  • $2,000Surplus
  • $4,844Undivided profits
  • Memoranda
  • $10,880Noncurrent loans and leases
  • $15,292Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $712Earning assets
  • $52Long-term assets (5+ years)
  • $744Average Assets, year-to-date
  • $251,534Average Assets, quarterly
  • $166,585Volatile liabilities
  • $262,693Insider loans
  • $267,208FHLB advances
  • $32,011Loans and leases held for sale
  • $1,644Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,000Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $15,292Total unused commitments
  • $0Restructured Loans and leases
  • $1,994Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $19,060Total interest income
  • $8,500Total interest expense
  • $10,560Net interest income
  • $229Provision for loan and lease losses
  • $1,608Total noninterest income
  • $0Fiduciary activities
  • $980Service charges on deposit accounts
  • $0Trading account gains & fees
  • $628Additional noninterest income
  • $5,844Total noninterest expense
  • $2,774Salaries and employee benefits
  • $866Premises and equipment expense
  • $2,204Additional noninterest expense
  • $6,095Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,930Applicable income taxes
  • $4,165Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,165Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $176Sale, conversion, retirement of capital stock, net
  • $4,275Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.61%Yield on earning assets
  • 3.39%Cost of funding earning assets
  • 4.22%Net interest margin
  • 0.64%Noninterest income to earning assets
  • 2.33%Noninterest expense to earning assets
  • 1.59%Net operating income to assets
  • 1.59%Return on assets (ROA)
  • 2.32%Pretax return on assets
  • 22.14%Return on equity (ROE)
  • -0.58%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 130.11%Credit loss provision to net charge-offs
  • 35.93%Efficiency ratio
  • 47,773Assets per employee
  • 2.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 102.64%Loss allowance to loans
  • 1.15%Loss allowance to noncurrent loans
  • 280.06%Noncurrent assets plus other real estate owned to assets
  • 0.31%Noncurrent loans to loans
  • 0.41%Net loans and leases to deposits
  • 75.29%Net loans and leases to core deposits
  • 80.02%Equity capital to assets
  • 6.63%Core capital (leverage) ratio
  • 7.17%Tier 1 risk-based capital ratio
  • 12.13%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $262,693Average earning assets
  • $18,810Average equity
  • $250,388Average loans

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