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

This bank is inactive as of September 26, 1998

  • One Valley Bank of Oak Hill, Inc. in Oak Hill, West Virginia (WV)
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One Valley Bank of Oak Hill, Inc. - Overview

  • General
  • FDIC Certificate #: 2451
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: One Valley Bank - South, Inc. (#9027)
    Federal Reserve ID: 777030
    Date Established: August 11, 1904
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    OTS Docket #: 14208
    FDIC's unique #: 1606
    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: September 26, 1998
    Last Structure Change Process Date: October 29, 1998
    Last Data Update: October 29, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 Main Street, Oak Hill, WV 25901
    County: Fayette
    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): Beckley-Oak Hill, WV (#138)
    Core Based Statistical Area (CBSA): Oak Hill, WV (#36060)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $151.7 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 68Total employees (full-time equivalent)
  • $148,745Total assets
  • $5,000Cash and due from depository institutions
  • $50Interest-bearing balances
  • $42,467Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $97,189Net loans & leases
  • $1,437Loan loss allowance
  • $0Trading account assets
  • $2,102Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,987All other assets
  • $148,745Total liabilities and capital
  • $137,860Total liabilities
  • $124,876Total deposits
  • $111,399Interest-bearing deposits
  • $124,876Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $11,760Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,224All other liabilities
  • $10,885Total equity capital
  • $10,885Total bank equity capital
  • $10,885Perpetual preferred stock
  • $0Common stock
  • $480Surplus
  • $5,000Undivided profits
  • Memoranda
  • $5,405Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $195Earning assets
  • $0Long-term assets (5+ years)
  • $520Average Assets, year-to-date
  • $139,706Average Assets, quarterly
  • $54,181Volatile liabilities
  • $151,913Insider loans
  • $148,648FHLB advances
  • $21,492Loans and leases held for sale
  • $1,438Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $171Total risk weighted assets
  • $5,636Total unused commitments
  • $0Restructured Loans and leases
  • $93,951Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $11,926Total interest income
  • $5,520Total interest expense
  • $6,406Net interest income
  • $374Provision for loan and lease losses
  • $1,248Total noninterest income
  • $0Fiduciary activities
  • $882Service charges on deposit accounts
  • $0Trading account gains & fees
  • $366Additional noninterest income
  • $3,505Total noninterest expense
  • $1,860Salaries and employee benefits
  • $314Premises and equipment expense
  • $1,331Additional noninterest expense
  • $3,775Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,332Applicable income taxes
  • $2,443Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,443Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $399Sale, conversion, retirement of capital stock, net
  • $1,960Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.31%Yield on earning assets
  • 3.85%Cost of funding earning assets
  • 4.46%Net interest margin
  • 0.87%Noninterest income to earning assets
  • 2.44%Noninterest expense to earning assets
  • 1.61%Net operating income to assets
  • 1.61%Return on assets (ROA)
  • 2.48%Pretax return on assets
  • 23.41%Return on equity (ROE)
  • 4.63%Retained earnings to average equity (YTD only)
  • 0.40%Net charge-offs to loans
  • 93.73%Credit loss provision to net charge-offs
  • 10.40%Efficiency ratio
  • 45,793Assets per employee
  • 2.19%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 80.23%Loss allowance to loans
  • 1.46%Loss allowance to noncurrent loans
  • 736.92%Noncurrent assets plus other real estate owned to assets
  • 0.13%Noncurrent loans to loans
  • 0.20%Net loans and leases to deposits
  • 77.83%Net loans and leases to core deposits
  • 84.41%Equity capital to assets
  • 7.32%Core capital (leverage) ratio
  • 7.29%Tier 1 risk-based capital ratio
  • 11.54%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $151,913Average earning assets
  • $10,436Average equity
  • $143,532Average loans

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