The Twentieth Street Bank in Huntington, West Virginia (WV)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 26, 1999

  • The Twentieth Street Bank in Huntington, West Virginia (WV)
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The Twentieth Street Bank - Overview

  • General
  • FDIC Certificate #: 15278
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: City National Bank of West Virginia (#17735)
    Federal Reserve ID: 233125
    Date Established: September 11, 1905
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Interstate: No)
    FDIC's unique #: 9623
    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: September 09, 1935
    Last Structure Change Effective Date: April 26, 1999
    Last Structure Change Process Date: May 18, 1999
    Last Data Update: May 18, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 1900 Third Avenue, Huntington, WV 25703
    County: Cabell
    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): Huntington-Ashland, WV-KY-OH (#3400)
    Core Based Statistical Area (CBSA): Huntington-Ashland, WV-KY-OH (#26580)
    CBSA Metro Statistical Area: Huntington-Ashland, WV-KY-OH (#26580)
  • Financial Summary
  • Total assets: $307.9 mil

1992 - 1999 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, 1998)

  • Dollar figures in thousands
  • 120Total employees (full-time equivalent)
  • $309,769Total assets
  • $11,185Cash and due from depository institutions
  • $0Interest-bearing balances
  • $91,490Securities
  • $15,975Federal funds sold & reverse repurchase agreements
  • $181,626Net loans & leases
  • $2,659Loan loss allowance
  • $0Trading account assets
  • $5,889Bank premises and fixed assets
  • $130Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $3,474All other assets
  • $309,769Total liabilities and capital
  • $278,328Total liabilities
  • $275,316Total deposits
  • $231,594Interest-bearing deposits
  • $275,316Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $80Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $87Other borrowed funds
  • $0Subordinated debt
  • $2,845All other liabilities
  • $31,441Total equity capital
  • $31,441Total bank equity capital
  • $31,441Perpetual preferred stock
  • $0Common stock
  • $1,883Surplus
  • $7,882Undivided profits
  • Memoranda
  • $21,676Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2,488Earning assets
  • $0Long-term assets (5+ years)
  • $1,064Average Assets, year-to-date
  • $289,091Average Assets, quarterly
  • $50,774Volatile liabilities
  • $305,612Insider loans
  • $306,948FHLB advances
  • $18,214Loans and leases held for sale
  • $2,564Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $32,965Total unused commitments
  • $0Restructured Loans and leases
  • $200,027Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $24,289Total interest income
  • $9,769Total interest expense
  • $14,520Net interest income
  • $2,666Provision for loan and lease losses
  • $1,650Total noninterest income
  • $446Fiduciary activities
  • $827Service charges on deposit accounts
  • $0Trading account gains & fees
  • $377Additional noninterest income
  • $9,533Total noninterest expense
  • $3,747Salaries and employee benefits
  • $1,236Premises and equipment expense
  • $4,550Additional noninterest expense
  • $3,971Pre-tax net operating income
  • -$22Securities gains (losses)
  • $1,427Applicable income taxes
  • $2,522Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,522Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $3,505Sale, conversion, retirement of capital stock, net
  • $2,799Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.51%Yield on earning assets
  • 3.42%Cost of funding earning assets
  • 5.09%Net interest margin
  • 0.58%Noninterest income to earning assets
  • 3.34%Noninterest expense to earning assets
  • 0.83%Net operating income to assets
  • 0.83%Return on assets (ROA)
  • 1.29%Pretax return on assets
  • 7.83%Return on equity (ROE)
  • -0.86%Retained earnings to average equity (YTD only)
  • 1.70%Net charge-offs to loans
  • 76.06%Credit loss provision to net charge-offs
  • 1.89%Efficiency ratio
  • 58,002Assets per employee
  • 2.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 110.98%Loss allowance to loans
  • 1.44%Loss allowance to noncurrent loans
  • 106.87%Noncurrent assets plus other real estate owned to assets
  • 0.85%Noncurrent loans to loans
  • 1.35%Net loans and leases to deposits
  • 65.97%Net loans and leases to core deposits
  • 70.62%Equity capital to assets
  • 10.15%Core capital (leverage) ratio
  • 10.00%Tier 1 risk-based capital ratio
  • 15.45%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $305,612Average earning assets
  • $32,196Average equity
  • $285,480Average loans

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