Bank One, West Virginia, Buckhannon, National Association in Buckhannon, West Virginia (WV)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 30, 1994

Bank One, West Virginia, Buckhannon, National Association in Buckhannon, West Virginia (WV)
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Bank One, West Virginia, Buckhannon, National Association - Overview

General
FDIC Certificate #: 6752
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Bank One, West Virginia, National Association (#6768)
Federal Reserve ID: 632924
Date Established: November 19, 1932
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 3 (Interstate: No)
FDIC's unique #: 4532
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: September 30, 1994
Last Structure Change Process Date: October 13, 1994
Last Data Update: October 13, 1994
Data Source Date: April 05, 2012
Location
Address: 32 East Main Street, Buckhannon, WV 26201
County: Upshur
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: $211.7 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$78Total assets
$216,668Cash and due from depository institutions
$5,976Interest-bearing balances
$0Securities
$127,970Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$78,184Loan loss allowance
$1,128Trading account assets
$0Bank premises and fixed assets
$1,864Other real estate owned
$0Goodwill and other intangibles
$2,674Life insurance assets
$0All other assets
$0Total liabilities and capital
$216,668Total liabilities
$195,634Total deposits
$158,004Interest-bearing deposits
$139,913Deposits held in domestic offices
158004.00%% insured (estimated)
$95Federal funds purchased & repurchase agreements
$35,830Trading liabilities
$0Other borrowed funds
$960Subordinated debt
$0All other liabilities
$840Total equity capital
$840Total bank equity capital
$21,034Perpetual preferred stock
$0Common stock
$800Surplus
$7,604Undivided profits
Memoranda
$12,630Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$7Income earned, not collected on loans
$441Earning assets
$206,154Long-term assets (5+ years)
$92,999Average Assets, year-to-date
$197,617Average Assets, quarterly
$208,224Volatile liabilities
$44,134Insider loans
$1,113FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$10,768Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$21,034Total risk weighted assets
$97,718Total unused commitments
$0Restructured Loans and leases
$36,300Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$14,733Total interest expense
$5,415Net interest income
$9,318Provision for loan and lease losses
$240Total noninterest income
$454Fiduciary activities
$0Service charges on deposit accounts
$309Trading account gains & fees
$0Additional noninterest income
$145Total noninterest expense
$4,363Salaries and employee benefits
$2,211Premises and equipment expense
$475Additional noninterest expense
$1,677Pre-tax net operating income
$5,169Securities gains (losses)
-$369Applicable income taxes
$1,229Income before extraordinary items
$3,571Extraordinary gains - net
$0Net income attributable to bank
$3,571Net charge-offs
$49Cash dividends
$2,259Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.98%Cost of funding earning assets
2.93%Net interest margin
5.05%Noninterest income to earning assets
0.25%Noninterest expense to earning assets
2.36%Net operating income to assets
1.95%Return on assets (ROA)
1.81%Pretax return on assets
2.43%Return on equity (ROE)
17.65%Retained earnings to average equity (YTD only)
6.49%Net charge-offs to loans
0.07%Credit loss provision to net charge-offs
489.80%Efficiency ratio
44,648Assets per employee
2.78%Cash dividends to net income (YTD only)
Condition Ratios (%)
63.26%Loss allowance to loans
1.42%Loss allowance to noncurrent loans
16114.29%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.01%Net loans and leases to deposits
49.48%Net loans and leases to core deposits
51.89%Equity capital to assets
9.71%Core capital (leverage) ratio
10.32%Tier 1 risk-based capital ratio
21.53%Total risk-based capital ratio
Memoranda
$23Average assets
$197,617Average earning assets
$20,228Average equity
$184,561Average loans

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