United National Bank - Central in Glenville, West Virginia (WV)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 1993

United National Bank - Central in Glenville, West Virginia (WV)
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United National Bank - Central - Overview

General
FDIC Certificate #: 6804
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: United Bank (#6784)
Federal Reserve ID: 640938
Date Established: September 14, 1932
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 6 (Interstate: No)
OTS Docket #: 9751
FDIC's unique #: 4576
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: January 01, 1993
Last Structure Change Process Date: January 26, 1993
Last Data Update: January 26, 1993
Data Source Date: April 05, 2012
Location
Address: 101 East Main Street, Glenville, WV 26351
County: Gilmer
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: $185.3 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$84Total assets
$185,303Cash and due from depository institutions
$4,911Interest-bearing balances
$20Securities
$45,566Federal funds sold & reverse repurchase agreements
$37,232Net loans & leases
$92,870Loan loss allowance
$1,955Trading account assets
$0Bank premises and fixed assets
$2,239Other real estate owned
$90Goodwill and other intangibles
$2,395Life insurance assets
$0All other assets
$0Total liabilities and capital
$185,303Total liabilities
$163,172Total deposits
$153,904Interest-bearing deposits
$137,305Deposits held in domestic offices
153904.00%% insured (estimated)
$97Federal funds purchased & repurchase agreements
$8,034Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$1,234Total equity capital
$1,234Total bank equity capital
$22,131Perpetual preferred stock
$0Common stock
$572Surplus
$7,249Undivided profits
Memoranda
$14,310Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,338Income earned, not collected on loans
$651Earning assets
$175,688Long-term assets (5+ years)
$13,815Average Assets, year-to-date
$181,806Average Assets, quarterly
$184,939Volatile liabilities
$11,954Insider loans
$350FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$1,995Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$22,131Total risk weighted assets
$88,892Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$14,059Total interest expense
$6,392Net interest income
$7,667Provision for loan and lease losses
$208Total noninterest income
$688Fiduciary activities
$0Service charges on deposit accounts
$304Trading account gains & fees
$0Additional noninterest income
$384Total noninterest expense
$3,862Salaries and employee benefits
$1,527Premises and equipment expense
$575Additional noninterest expense
$1,760Pre-tax net operating income
$4,285Securities gains (losses)
$0Applicable income taxes
$1,322Income before extraordinary items
$2,963Extraordinary gains - net
$0Net income attributable to bank
$2,963Net charge-offs
$104Cash dividends
$1,934Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.16%Cost of funding earning assets
3.71%Net interest margin
4.45%Noninterest income to earning assets
0.40%Noninterest expense to earning assets
2.24%Net operating income to assets
1.63%Return on assets (ROA)
1.63%Pretax return on assets
2.36%Return on equity (ROE)
13.78%Retained earnings to average equity (YTD only)
4.78%Net charge-offs to loans
0.11%Credit loss provision to net charge-offs
200.00%Efficiency ratio
46,224Assets per employee
2.21%Cash dividends to net income (YTD only)
Condition Ratios (%)
65.27%Loss allowance to loans
2.06%Loss allowance to noncurrent loans
146.11%Noncurrent assets plus other real estate owned to assets
0.77%Noncurrent loans to loans
1.41%Net loans and leases to deposits
60.34%Net loans and leases to core deposits
61.92%Equity capital to assets
11.94%Core capital (leverage) ratio
11.95%Tier 1 risk-based capital ratio
24.90%Total risk-based capital ratio
Memoranda
$26Average assets
$181,806Average earning assets
$21,510Average equity
$172,271Average loans

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