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- Banks in West Virginia (WV)
- One Valley Bank of Clarksburg, National Association
One Valley Bank of Clarksburg, National Association in Clarksburg, West Virginia (WV)
Overview, Financial Summary, Detailed Financial Reports, Branches
This bank is inactive as of November 16, 1998
- One Valley Bank of Clarksburg, National Association in Clarksburg, West Virginia (WV)
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One Valley Bank of Clarksburg, National Association - Overview
- General
- FDIC Certificate #: 6756
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: One Valley Bank, Inc. (#12658)
Federal Reserve ID: 828624
Date Established: November 30, 1903
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 #: 9244
FDIC's unique #: 4536
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: November 16, 1998
Last Structure Change Process Date: Febuary 10, 1999
Last Data Update: Febuary 10, 1999
Data Source Date: April 05, 2012 - Location
- Address: Fourth And Main Streets, Clarksburg, WV 26301
County: Harrison
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
Combined Statistical Area (CSA): Fairmont-Clarksburg, WV (#242)
Core Based Statistical Area (CBSA): Clarksburg, WV (#17220)
CBSA Micro Statistical Area: Yes - Financial Summary
- Total assets: $290.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
- Dollar figures in thousands
- 104Total employees (full-time equivalent)
- $289,399Total assets
- $10,243Cash and due from depository institutions
- $23Interest-bearing balances
- $112,504Securities
- $18Federal funds sold & reverse repurchase agreements
- $159,042Net loans & leases
- $2,228Loan loss allowance
- $0Trading account assets
- $4,174Bank premises and fixed assets
- $144Other real estate owned
- $168Goodwill and other intangibles
- $0Life insurance assets
- $3,106All other assets
- $289,399Total liabilities and capital
- $269,382Total liabilities
- $231,790Total deposits
- $213,901Interest-bearing deposits
- $231,790Deposits held in domestic offices
- 0.00%% insured (estimated)
- $35,503Federal funds purchased & repurchase agreements
- $0Trading liabilities
- $0Other borrowed funds
- $0Subordinated debt
- $2,089All other liabilities
- $20,017Total equity capital
- $20,017Total bank equity capital
- $20,017Perpetual preferred stock
- $0Common stock
- $2,160Surplus
- $4,700Undivided profits
- Memoranda
- $13,157Noncurrent loans and leases
- $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
- $0Income earned, not collected on loans
- $259Earning assets
- $0Long-term assets (5+ years)
- $869Average Assets, year-to-date
- $271,587Average Assets, quarterly
- $95,542Volatile liabilities
- $280,804Insider loans
- $290,606FHLB advances
- $61,857Loans and leases held for sale
- $5,469Unused loan commitments
- $0Tier 1 (core) risk-based capital
- $0Tier 2 risk-based capital
- $312Total risk weighted assets
- $22,787Total unused commitments
- $0Restructured Loans and leases
- $157,567Derivatives
Income and Expense (December 31, 1997)
- Dollar figures in thousands
- $20,544Total interest income
- $10,547Total interest expense
- $9,997Net interest income
- $379Provision for loan and lease losses
- $1,944Total noninterest income
- $0Fiduciary activities
- $1,044Service charges on deposit accounts
- $0Trading account gains & fees
- $900Additional noninterest income
- $6,773Total noninterest expense
- $2,942Salaries and employee benefits
- $1,128Premises and equipment expense
- $2,703Additional noninterest expense
- $4,789Pre-tax net operating income
- $46Securities gains (losses)
- $1,652Applicable income taxes
- $3,183Income before extraordinary items
- $0Extraordinary gains - net
- $3,183Net income attributable to bank
- $0Net charge-offs
- $0Cash dividends
- $126Sale, conversion, retirement of capital stock, net
- $3,000Net operating income
Performance and Condition Ratios (December 31, 1997)
- Dollar figures in thousands
- Performance Ratios (%, annualized)
- 7.80%Yield on earning assets
- 4.01%Cost of funding earning assets
- 3.80%Net interest margin
- 0.74%Noninterest income to earning assets
- 2.57%Noninterest expense to earning assets
- 1.12%Net operating income to assets
- 1.13%Return on assets (ROA)
- 1.72%Pretax return on assets
- 16.29%Return on equity (ROE)
- 0.94%Retained earnings to average equity (YTD only)
- 0.08%Net charge-offs to loans
- 300.79%Credit loss provision to net charge-offs
- 41.02%Efficiency ratio
- 56,185Assets per employee
- 2.78%Cash dividends to net income (YTD only)
- Condition Ratios (%)
- 94.25%Loss allowance to loans
- 1.38%Loss allowance to noncurrent loans
- 860.23%Noncurrent assets plus other real estate owned to assets
- 0.14%Noncurrent loans to loans
- 0.16%Net loans and leases to deposits
- 68.61%Net loans and leases to core deposits
- 77.42%Equity capital to assets
- 6.92%Core capital (leverage) ratio
- 6.68%Tier 1 risk-based capital ratio
- 12.27%Total risk-based capital ratio
- Memoranda
- $14Average assets
- $280,804Average earning assets
- $19,536Average equity
- $263,308Average loans
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- Banks in West Virginia (WV)
- One Valley Bank of Clarksburg, National Association
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