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

This bank is inactive as of January 01, 1993

  • United National Bank - North in Wheeling, West Virginia (WV)
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United National Bank - North - Overview

  • General
  • FDIC Certificate #: 14358
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: United Bank (#6784)
    Federal Reserve ID: 668624
    Date Established: January 01, 1901
    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)
    FDIC's unique #: 8972
    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: May 09, 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: 1501 Market Street, Wheeling, WV 26003
    County: Ohio
    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): Wheeling, WV-OH (#9000)
    Core Based Statistical Area (CBSA): Wheeling, WV-OH (#48540)
    CBSA Metro Statistical Area: Wheeling, WV-OH (#48540)
  • Financial Summary
  • Total assets: $185.6 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $110Total assets
  • $185,588Cash and due from depository institutions
  • $7,112Interest-bearing balances
  • $0Securities
  • $50,200Federal funds sold & reverse repurchase agreements
  • $13,642Net loans & leases
  • $105,118Loan loss allowance
  • $1,061Trading account assets
  • $0Bank premises and fixed assets
  • $3,159Other real estate owned
  • $1,320Goodwill and other intangibles
  • $5,037Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $185,588Total liabilities
  • $168,218Total deposits
  • $165,430Interest-bearing deposits
  • $142,697Deposits held in domestic offices
  • 165430.00%% insured (estimated)
  • $90Federal funds purchased & repurchase agreements
  • $2,210Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $578Total equity capital
  • $578Total bank equity capital
  • $17,370Perpetual preferred stock
  • $0Common stock
  • $2,323Surplus
  • $2,373Undivided profits
  • Memoranda
  • $12,674Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,165Income earned, not collected on loans
  • $690Earning assets
  • $168,960Long-term assets (5+ years)
  • $18,276Average Assets, year-to-date
  • $183,280Average Assets, quarterly
  • $186,307Volatile liabilities
  • $4,995Insider loans
  • $258FHLB advances
  • $0Loans and leases held for sale
  • $145Unused loan commitments
  • $12,503Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $17,370Total risk weighted assets
  • $113,662Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $14,620Total interest expense
  • $6,328Net interest income
  • $8,292Provision for loan and lease losses
  • $479Total noninterest income
  • $1,091Fiduciary activities
  • $304Service charges on deposit accounts
  • $594Trading account gains & fees
  • $0Additional noninterest income
  • $193Total noninterest expense
  • $5,699Salaries and employee benefits
  • $2,513Premises and equipment expense
  • $861Additional noninterest expense
  • $2,325Pre-tax net operating income
  • $3,205Securities gains (losses)
  • -$5Applicable income taxes
  • $991Income before extraordinary items
  • $2,209Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,209Net charge-offs
  • $610Cash dividends
  • $1,530Sale, 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
  • 8.62%Cost of funding earning assets
  • 3.73%Net interest margin
  • 4.89%Noninterest income to earning assets
  • 0.64%Noninterest expense to earning assets
  • 3.36%Net operating income to assets
  • 1.21%Return on assets (ROA)
  • 1.21%Pretax return on assets
  • 1.75%Return on equity (ROE)
  • 13.10%Retained earnings to average equity (YTD only)
  • 4.03%Net charge-offs to loans
  • 0.57%Credit loss provision to net charge-offs
  • 78.52%Efficiency ratio
  • 60,738Assets per employee
  • 1.69%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 69.26%Loss allowance to loans
  • 1.00%Loss allowance to noncurrent loans
  • 91.07%Noncurrent assets plus other real estate owned to assets
  • 1.34%Noncurrent loans to loans
  • 1.10%Net loans and leases to deposits
  • 63.54%Net loans and leases to core deposits
  • 64.63%Equity capital to assets
  • 9.36%Core capital (leverage) ratio
  • 9.38%Tier 1 risk-based capital ratio
  • 15.28%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $183,280Average earning assets
  • $16,863Average equity
  • $169,688Average loans

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