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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