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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