United Bank in Parkersburg, West Virginia (WV), OH

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United Bank
GeneralFDIC Certificate #: 6784
Status: Active
Federal Reserve ID: 1010930
Bank Holding Company (Regulatory Top Holder): United Bankshares, Inc. (RSSDID: 1076217, Location: Charleston, WV)
Date Established: January 01, 1839
WWW: http://www.unitedbank-wv.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 56 (Domestic: 56, Interstate: Yes)
OTS Docket #: 9461
FDIC's unique #: 4559
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: July 14, 2007
Last Structure Change Process Date: September 20, 2007
Last Data Update: September 20, 2007
Data Source Date: April 05, 2012
LocationAddress: 514 Market Street, Parkersburg, WV 26101
County: Wood
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): Parkersburg-Marietta, WV-OH (#6020)
Core Based Statistical Area (CBSA): Parkersburg-Marietta-Vienna, WV-OH (#37620)
CBSA Metro Statistical Area: Parkersburg-Marietta-Vienna, WV-OH (#37620)
History of ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal assets: $3,625.4 mil
Equity capital: $285.8 mil
Deposits held in domestic offices: $3,023.8 mil
Return on assets (ROA): 1.31% ($47.5 mil)
Quarterly return on assets: 1.19% ($43.1 mil)
Return on Equity (ROE): 16.08% ($46.0 mil)
Quarterly return on equity: 14.98% ($42.8 mil)
Net income: $46.3 mil
Quarterly Net income: $10.8 mil
Pretax return on assets: 1.91% ($69,245.2 mil)
Quarterly Pretax return on assets: 1.74% ($63,082.0 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, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)839
Total assets$3,625,405
Cash and due from depository institutions$390,164
Interest-bearing balances$307,037
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$2,698,251
Loan loss allowance $35,981
Trading account assets$0
Bank premises and fixed assets$29,541
Other real estate owned$20,116
Goodwill and other intangibles$12,122
All other assets$166,191
Life insurance assets$3,625,405
Total liabilities and capital$3,299,826
Total liabilities$3,023,847
Total deposits$2,309,742
Interest-bearing deposits$3,023,847
Deposits held in domestic offices$73
% insured (estimated)253325.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$11,522
Other borrowed funds $0
Subordinated debt $11,132
All other liabilities $325,579
Total equity capital$285,839
Total bank equity capital$285,839
Perpetual preferred stock$0
Common stock$10,802
Undivided profits $183,945
Noncurrent loans and leases $39,740
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $1,673
Income earned, not collected on loans $31,759
Earning assets $319
Long-term assets (5+ years) $11,130
Average Assets, year-to-date $3,314,308
Average Assets, quarterly $637,877
Volatile liabilities $3,536,404
Insider loans $3,634,634
FHLB advances $2,816,325
Loans and leases held for sale $3,647,084
Unused loan commitments $71,050
Tier 1 (core) risk-based capital $12,945
Tier 2 risk-based capital $347,561
Total risk weighted assets $42,053
Total unused commitments $16,052
Restructured Loans and leases $721,007
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $148,245
Total interest expense $20,046
Net interest income $128,199
Provision for loan and lease losses $5,917
Total noninterest income $43,711
Fiduciary activities $8,912
Service charges on deposit accounts $19,242
Trading account gains & fees $0
Additional noninterest income $15,557
Total noninterest expense $90,182
Salaries and employee benefits $37,150
Premises and equipment expense $12,665
Additional noninterest expense $40,367
Pre-tax net operating income $75,811
Securities gains (losses) -$8,213
Applicable income taxes $21,293
Income before extraordinary items $46,305
Extraordinary gains - net $0
Net income attributable to bank $46,305
Net charge-offs $0
Cash dividends $46,305
Sale, conversion, retirement of capital stock, net $6,825
Net operating income $36,000
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.61%
Cost of funding earning assets 0.62%
Net interest margin 3.99%
Noninterest income to earning assets 1.36%
Noninterest expense to earning assets 2.80%
Net operating income to assets 1.47%
Return on assets (ROA) 1.31%
Pretax return on assets 1.91%
Return on equity (ROE) 16.08%
Retained earnings to average equity (YTD only) 3.58%
Net charge-offs to loans 0.25%
Credit loss provision to net charge-offs 86.70%
Efficiency ratio11.97%
Assets per employee$52,459
Cash dividends to net income (YTD only)4.32%
Condition Ratios (%)
Loss allowance to loans 77.75%
Loss allowance to noncurrent loans 1.32%
Noncurrent assets plus other real estate owned to assets 113.29%
Noncurrent loans to loans 1.43%
Net loans and leases to deposits1.16%
Net loans and leases to core deposits 89.23%
Equity capital to assets 100.50%
Core capital (leverage) ratio 7.88%
Tier 1 risk-based capital ratio 9.53%
Total risk-based capital ratio 12.34%
Average assets$14
Average earning assets$3,536,404
Average equity $287,908
Average loans $3,215,094
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$2,268,617
Number of Accounts1
Personal trust and agency accounts$1,261,620
Employee benefit-defined contribution accounts$406,291
Employee benefit-defined benefit accounts$156,923
Other retirement accounts$120,869
Corporate trust and agency accounts$55,357
Investment management agency accounts$0
Other fiduciary accounts$352,938
Fiduciary accounts held in foreign offices$169,241
Non-managed Assets$1
Number of Accounts1754
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$27,787
Employee benefit-defined benefit accounts$0
Other retirement accounts$1,006,997
Corporate trust and agency accounts$5,025
Other fiduciary accounts$34,892
Fiduciary accounts held in foreign offices$30,048
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Bank Assets Sold and Securitized (December 31, 2011)
(Dollar figures in thousands)
Principal balance with servicing or other recourse retained
1-4 family residential loans $2,629
Home equity lines$0
Credit cards receivables$0
Auto loans$0
Other consumer loans$0
Commercial and industrial loans$0
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3 Ohio Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
69272658Bellaire Branch3198 Belmont Street, Bellaire, OH 43906June 30, 1994Full Service Brick and Mortar
71212188Bellaire Kroger Branch400 28th Street, Bellaire, OH 43906October 17, 1998Full Service Brick and Mortar
72212189St. Clairsville Kroger Branch50789 Valley Plaza Drive, Saint Clairsville, OH 43950October 17, 1998Full Service Brick and Mortar
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53 West Virginia Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
04559United Bank514 Market Street, Parkersburg, WV 26101January 01, 1839Full Service Brick and Mortar
1212182Parkersburg Express Branch1029 Murdoch Avenue, Parkersburg, WV 26101July 26, 1978Full Service Brick and Mortar
34166Dunbar Branch1200 Grosscup Ave., Dunbar, WV 25064Febuary 03, 1917Full Service Brick and Mortar
4208932Spring Hill Facility5151 Maccorkle Avenue, S.W., South Charleston, WV 25309March 03, 1975Limited Service Administrative
616257Huntington Branch2889 Third Ave, Huntington, WV 25702September 15, 1980Full Service Brick and Mortar
817389Rosemar Branch1 Rosemar Circle, Parkersburg, WV 26104May 09, 1984Full Service Brick and Mortar
914583Grand Central Mall Branch234 Grand Central Mall, Vienna, WV 26105May 29, 1973Full Service Brick and Mortar
10525Charleston Main500 Virginia Street, East, Charleston, WV 25322October 01, 1901Full Service Brick and Mortar
1214566Scott Depot BranchRoute 34 At Poplar Fork Road, Scott Depot, WV 25560May 11, 1973Full Service Brick and Mortar
13186121Town Center Branch1079 Charleston Town Center, Charleston, WV 25389November 07, 1983Full Service Brick and Mortar
1414669Big Chimney Branch4605 Pennsylvania Ave., Charleston, WV 25302September 10, 1973Full Service Brick and Mortar
1611370Vienna Branch2650 Grand Central Avenue, Vienna, WV 26105November 01, 1954Full Service Brick and Mortar
174565Ripley Branch113 North Street, Ripley, WV 25271January 01, 1893Full Service Brick and Mortar
18212200Ripley West Branch716 West Main Street, Ripley, WV 25271July 02, 1984Full Service Brick and Mortar
194556Montgomery Branch200 Fourth Street, Montgomery, WV 25136January 19, 1901Full Service Brick and Mortar
20212174Smithers BranchU.S. Route 60, Smithers, WV 25186March 22, 1984Full Service Brick and Mortar
219379Ansted Branch120 Main Street, Ansted, WV 25812January 02, 1935Full Service Brick and Mortar
238372Moundsville Branch621 Seventh Street, Moundsville, WV 26041January 01, 1896Full Service Brick and Mortar
26247777Three Springs Drive-In Branch109 Three Springs Drive, Weirton, WV 26062Febuary 14, 1983Full Service Brick and Mortar
27247778Main Street Branch3567 Main Street, Weirton, WV 26062November 03, 1986Full Service Brick and Mortar
284576Glenville Branch101 East Main Street, Glenville, WV 26351September 14, 1932Full Service Brick and Mortar
291601Weston Branch202 Main Avenue, Weston, WV 26452April 24, 1906Full Service Brick and Mortar
318707Webster Springs BranchOne Court Square, Webster Springs, WV 26288Febuary 20, 1934Full Service Brick and Mortar
33230645Cowen Branch90 Railroad Avenue, East, Cowen, WV 26206August 24, 1983Full Service Brick and Mortar
344533Ceredo Branch555 C Street, Ceredo, WV 25507July 12, 1892Full Service Brick and Mortar
36212100Westmoreland Branch473 Camden Road, Huntington, WV 25704December 01, 1986Full Service Brick and Mortar
374547Kenova Branch511 14th Street, Kenova, WV 25530December 31, 1910Full Service Brick and Mortar
3814323Westover Branch176 Holland Avenue, Westover, WV 26501July 01, 1972Full Service Brick and Mortar
40254886Star City Branch3441 University Avenue, Star City, WV 26505January 18, 1983Full Service Brick and Mortar
416386Beckley Main Branch129 Main Street, Beckley, WV 25802July 15, 1909Full Service Brick and Mortar
4316427Crossroads Mall Branch84 Crossroads Mall, Mount Hope, WV 25880May 06, 1981Full Service Brick and Mortar
4415399Sophia Branch425 Robert C. Byrd Dr., Sophia, WV 25921November 21, 1975Full Service Brick and Mortar
46274188Man Branch300 Market St., Man, WV 25635January 01, 1934Full Service Brick and Mortar
47274189Danville Branch1661 Smoot Ave, Danville, WV 25053January 01, 1934Full Service Brick and Mortar
4841902Logan Branch220 Main Street, Logan, WV 25601July 01, 1934Full Service Brick and Mortar
49274190Aracoma Branch507 Holly Ave. Route 10, Logan, WV 25601January 01, 1934Full Service Brick and Mortar
5040975Fayetteville Branch145 West Maple Avenue, Fayetteville, WV 25840January 01, 1910Full Service Brick and Mortar
51274191Raleigh Mall Shopping Center BranchRaleigh Mall Shopping Center, Beckley, WV 25801January 01, 1934Full Service Brick and Mortar
52274192Summersville Branch2004 West Webster Road, Summersville, WV 26651January 01, 1934Full Service Brick and Mortar
5542481Morgantown Branch154 Fayette Street, Morgantown, WV 26505January 01, 1935Full Service Brick and Mortar
57212185Walmart Superstore Branch550 Emily Drive, Clarksburg, WV 26301October 29, 1997Full Service Retail
585769Charles Town Main Branch106 West Washington Street, Charles Town, WV 25414May 08, 1906Full Service Brick and Mortar
61272648Elm Grove Branch2180 National Rd, Wheeling, WV 26003July 01, 1934Full Service Brick and Mortar
62272652Warwood Shopping Plaza Branch1269 Warwood Ave., Wheeling, WV 26003July 01, 1934Full Service Brick and Mortar
63272653Bethlehem Branch14 Bethlehem Blvd, Wheeling, WV 26003July 01, 1934Full Service Brick and Mortar
6641901Wheeling Main21 Twelfth Street, Wheeling, WV 26003August 06, 1937Full Service Brick and Mortar
67272657Suncrest Branch1085 Van Voorhis Road Suite 1, Morgantown, WV 26505June 30, 1986Full Service Brick and Mortar
73362206Wheeling Kroger Branch200 Mount De Chantal Road, Wheeling, WV 26003October 17, 1998Full Service Retail
84419472Kanawha City Branch4901 Maccorkle Avenue Se, Charleston, WV 25304September 20, 2002Full Service Brick and Mortar
85424215Premier Bank Branch24 District Way, Martinsburg, WV 25404July 18, 2005Full Service Brick and Mortar
86452374Shepherdstown Branch7867 Martinsburg Pike, Shepherdstown, WV 25443June 29, 2006Full Service Brick and Mortar
87491072Charles Town Branch71 Jefferson Crossing Way, Suite F, Charles Town, WV 25414March 03, 2008Full Service Brick and Mortar
88521628Wheeling Drive-In Branch1501 Market Street, Wheeling, WV 26003July 01, 2010Limited Service Facility
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