The Bank of Cameron, Inc. in Cameron, West Virginia (WV)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 02, 1994

  • The Bank of Cameron, Inc. in Cameron, West Virginia (WV)
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The Bank of Cameron, Inc. - Overview

  • General
  • FDIC Certificate #: 6741
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: One Valley Bank - North, Inc. (#14306)
    Federal Reserve ID: 664420
    Date Established: November 13, 1901
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    OTS Docket #: 11191
    FDIC's unique #: 4522
    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: January 01, 1934
    Last Structure Change Effective Date: May 02, 1994
    Last Structure Change Process Date: May 18, 1994
    Last Data Update: May 18, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 21 Main Street, Cameron, WV 26033
    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: $20.0 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $13Total assets
  • $19,809Cash and due from depository institutions
  • $461Interest-bearing balances
  • $0Securities
  • $10,926Federal funds sold & reverse repurchase agreements
  • $1,450Net loans & leases
  • $5,911Loan loss allowance
  • $114Trading account assets
  • $0Bank premises and fixed assets
  • $321Other real estate owned
  • $0Goodwill and other intangibles
  • $306Life insurance assets
  • $434All other assets
  • $0Total liabilities and capital
  • $19,809Total liabilities
  • $17,155Total deposits
  • $16,992Interest-bearing deposits
  • $13,111Deposits held in domestic offices
  • 16992.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $163Total equity capital
  • $163Total bank equity capital
  • $2,654Perpetual preferred stock
  • $0Common stock
  • $50Surplus
  • $2,550Undivided profits
  • Memoranda
  • $54Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $32Income earned, not collected on loans
  • $34Earning assets
  • $18,287Long-term assets (5+ years)
  • $7,475Average Assets, year-to-date
  • $19,939Average Assets, quarterly
  • $19,763Volatile liabilities
  • $430Insider loans
  • $89FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,220Total risk weighted assets
  • $6,970Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,436Total interest expense
  • $504Net interest income
  • $932Provision for loan and lease losses
  • $17Total noninterest income
  • $49Fiduciary activities
  • $0Service charges on deposit accounts
  • $29Trading account gains & fees
  • $0Additional noninterest income
  • $20Total noninterest expense
  • $729Salaries and employee benefits
  • $259Premises and equipment expense
  • $61Additional noninterest expense
  • $409Pre-tax net operating income
  • $235Securities gains (losses)
  • $0Applicable income taxes
  • $50Income before extraordinary items
  • $185Extraordinary gains - net
  • $41Net income attributable to bank
  • $226Net charge-offs
  • $35Cash dividends
  • $211Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.78%Cost of funding earning assets
  • 2.73%Net interest margin
  • 5.05%Noninterest income to earning assets
  • 0.27%Noninterest expense to earning assets
  • 3.95%Net operating income to assets
  • 0.93%Return on assets (ROA)
  • 1.13%Pretax return on assets
  • 1.38%Return on equity (ROE)
  • 8.45%Retained earnings to average equity (YTD only)
  • 0.56%Net charge-offs to loans
  • 0.56%Credit loss provision to net charge-offs
  • 48.57%Efficiency ratio
  • 61,468Assets per employee
  • 1.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 93.36%Loss allowance to loans
  • 1.89%Loss allowance to noncurrent loans
  • 356.25%Noncurrent assets plus other real estate owned to assets
  • 0.16%Noncurrent loans to loans
  • 0.53%Net loans and leases to deposits
  • 34.79%Net loans and leases to core deposits
  • 35.69%Equity capital to assets
  • 13.40%Core capital (leverage) ratio
  • 11.31%Tier 1 risk-based capital ratio
  • 31.85%Total risk-based capital ratio
  • Memoranda
  • $33Average assets
  • $19,939Average earning assets
  • $2,674Average equity
  • $18,469Average loans

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