The National Bank of Davis in Davis, West Virginia (WV)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 16, 2005

  • The National Bank of Davis in Davis, West Virginia (WV)
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The National Bank of Davis - Overview

  • General
  • FDIC Certificate #: 6759
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Grant County Bank (#11953)
    Federal Reserve ID: 353322
    Date Established: December 20, 1892
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 4538
    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, 2005
    Last Structure Change Process Date: November 29, 2005
    Last Data Update: November 29, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: William Avenue, Davis, WV 26260
    County: Tucker
    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: $26.0 mil

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

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2004)

  • Dollar figures in thousands
  • 13Total employees (full-time equivalent)
  • $25,725Total assets
  • $1,152Cash and due from depository institutions
  • $0Interest-bearing balances
  • $10,287Securities
  • $4,735Federal funds sold & reverse repurchase agreements
  • $8,240Net loans & leases
  • $165Loan loss allowance
  • $0Trading account assets
  • $712Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $599All other assets
  • $25,725Total liabilities and capital
  • $24,029Total liabilities
  • $23,920Total deposits
  • $18,176Interest-bearing deposits
  • $23,920Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $109All other liabilities
  • $1,696Total equity capital
  • $1,696Total bank equity capital
  • $1,696Perpetual preferred stock
  • $0Common stock
  • $50Surplus
  • $200Undivided profits
  • Memoranda
  • $1,446Noncurrent loans and leases
  • $310Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $42Earning assets
  • $0Long-term assets (5+ years)
  • $152Average Assets, year-to-date
  • $23,262Average Assets, quarterly
  • $9,593Volatile liabilities
  • $25,263Insider loans
  • $25,661FHLB advances
  • $1,964Loans and leases held for sale
  • $297Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $310Total unused commitments
  • $0Restructured Loans and leases
  • $136Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $1,202Total interest income
  • $271Total interest expense
  • $931Net interest income
  • $15Provision for loan and lease losses
  • $101Total noninterest income
  • $0Fiduciary activities
  • $48Service charges on deposit accounts
  • $0Trading account gains & fees
  • $53Additional noninterest income
  • $889Total noninterest expense
  • $411Salaries and employee benefits
  • $183Premises and equipment expense
  • $295Additional noninterest expense
  • $128Pre-tax net operating income
  • -$29Securities gains (losses)
  • -$11Applicable income taxes
  • $110Income before extraordinary items
  • $0Extraordinary gains - net
  • $110Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $22Sale, conversion, retirement of capital stock, net
  • $25Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.27%Yield on earning assets
  • 1.19%Cost of funding earning assets
  • 4.08%Net interest margin
  • 0.44%Noninterest income to earning assets
  • 3.90%Noninterest expense to earning assets
  • 0.55%Net operating income to assets
  • 0.44%Return on assets (ROA)
  • 0.39%Pretax return on assets
  • 6.78%Return on equity (ROE)
  • 5.24%Retained earnings to average equity (YTD only)
  • 0.26%Net charge-offs to loans
  • 68.18%Credit loss provision to net charge-offs
  • 6.50%Efficiency ratio
  • 86,143Assets per employee
  • 1.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 22.73%Loss allowance to loans
  • 1.96%Loss allowance to noncurrent loans
  • 392.86%Noncurrent assets plus other real estate owned to assets
  • 0.16%Noncurrent loans to loans
  • 0.50%Net loans and leases to deposits
  • 34.45%Net loans and leases to core deposits
  • 37.53%Equity capital to assets
  • 6.59%Core capital (leverage) ratio
  • 6.60%Tier 1 risk-based capital ratio
  • 15.77%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $25,263Average earning assets
  • $1,623Average equity
  • $22,798Average loans

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