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

This bank is inactive as of September 26, 1998

  • One Valley Bank of Ronceverte, National Association in Fairlea, West Virginia (WV)
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One Valley Bank of Ronceverte, National Association - Overview

  • General
  • FDIC Certificate #: 6796
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: One Valley Bank - South, Inc. (#9027)
    Federal Reserve ID: 7036
    Date Established: January 01, 1900
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    OTS Docket #: 14207
    FDIC's unique #: 4568
    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: 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: Red Oaks Shopping Center, Inc., Fairlea, WV 24902
    County: Greenbrier
    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
  • Financial Summary
  • Total assets: $144.7 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
  • 48Total employees (full-time equivalent)
  • $139,956Total assets
  • $3,375Cash and due from depository institutions
  • $27Interest-bearing balances
  • $37,733Securities
  • $98Federal funds sold & reverse repurchase agreements
  • $95,805Net loans & leases
  • $1,458Loan loss allowance
  • $0Trading account assets
  • $1,172Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,773All other assets
  • $139,956Total liabilities and capital
  • $130,129Total liabilities
  • $121,698Total deposits
  • $109,905Interest-bearing deposits
  • $121,698Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $7,776Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $190Other borrowed funds
  • $0Subordinated debt
  • $465All other liabilities
  • $9,827Total equity capital
  • $9,827Total bank equity capital
  • $9,827Perpetual preferred stock
  • $0Common stock
  • $400Surplus
  • $1,860Undivided profits
  • Memoranda
  • $7,567Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $141Earning assets
  • $0Long-term assets (5+ years)
  • $700Average Assets, year-to-date
  • $133,663Average Assets, quarterly
  • $46,284Volatile liabilities
  • $138,268Insider loans
  • $139,779FHLB advances
  • $16,416Loans and leases held for sale
  • $3,385Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $8,836Total unused commitments
  • $0Restructured Loans and leases
  • $87,597Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $11,277Total interest income
  • $5,198Total interest expense
  • $6,079Net interest income
  • $298Provision for loan and lease losses
  • $858Total noninterest income
  • $0Fiduciary activities
  • $541Service charges on deposit accounts
  • $0Trading account gains & fees
  • $317Additional noninterest income
  • $2,873Total noninterest expense
  • $1,406Salaries and employee benefits
  • $301Premises and equipment expense
  • $1,166Additional noninterest expense
  • $3,766Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,292Applicable income taxes
  • $2,474Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,474Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $213Sale, conversion, retirement of capital stock, net
  • $2,000Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.56%Yield on earning assets
  • 3.95%Cost of funding earning assets
  • 4.62%Net interest margin
  • 0.65%Noninterest income to earning assets
  • 2.18%Noninterest expense to earning assets
  • 1.79%Net operating income to assets
  • 1.79%Return on assets (ROA)
  • 2.72%Pretax return on assets
  • 26.17%Return on equity (ROE)
  • 5.01%Retained earnings to average equity (YTD only)
  • 0.22%Net charge-offs to loans
  • 139.91%Credit loss provision to net charge-offs
  • 19.08%Efficiency ratio
  • 41,416Assets per employee
  • 2.92%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 80.84%Loss allowance to loans
  • 1.50%Loss allowance to noncurrent loans
  • 1034.04%Noncurrent assets plus other real estate owned to assets
  • 0.10%Noncurrent loans to loans
  • 0.14%Net loans and leases to deposits
  • 78.72%Net loans and leases to core deposits
  • 84.60%Equity capital to assets
  • 7.02%Core capital (leverage) ratio
  • 7.00%Tier 1 risk-based capital ratio
  • 11.18%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $138,268Average earning assets
  • $9,452Average equity
  • $131,717Average loans

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