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

This bank is inactive as of September 30, 1994

  • Bank One, West Virginia, St. Albans, National Association in St. Albans, West Virginia (WV)
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Bank One, West Virginia, St. Albans, National Association - Overview

  • General
  • FDIC Certificate #: 24837
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, West Virginia, National Association (#6768)
    Federal Reserve ID: 841034
    Date Established: November 07, 1983
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 17223
    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: November 07, 1983
    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: 603-613 Maccorkle Avenue, St. Albans, WV 25177
    County: Kanawha
    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): Charleston, WV (#1480)
    Core Based Statistical Area (CBSA): Charleston, WV (#16620)
    CBSA Metro Statistical Area: Charleston, WV (#16620)
  • Financial Summary
  • Total assets: $84.0 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)
  • $43Total assets
  • $84,986Cash and due from depository institutions
  • $2,098Interest-bearing balances
  • $0Securities
  • $12,468Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $66,923Loan loss allowance
  • $546Trading account assets
  • $0Bank premises and fixed assets
  • $2,390Other real estate owned
  • $63Goodwill and other intangibles
  • $957Life insurance assets
  • $87All other assets
  • $0Total liabilities and capital
  • $84,986Total liabilities
  • $77,346Total deposits
  • $64,922Interest-bearing deposits
  • $57,439Deposits held in domestic offices
  • 64922.00%% insured (estimated)
  • $95Federal funds purchased & repurchase agreements
  • $11,844Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $580Total equity capital
  • $580Total bank equity capital
  • $7,640Perpetual preferred stock
  • $0Common stock
  • $2,275Surplus
  • $3,905Undivided profits
  • Memoranda
  • $1,460Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $680Income earned, not collected on loans
  • $141Earning assets
  • $79,391Long-term assets (5+ years)
  • $8,272Average Assets, year-to-date
  • $80,587Average Assets, quarterly
  • $84,451Volatile liabilities
  • $16,309Insider loans
  • $4,164FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $6,546Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $7,553Total risk weighted assets
  • $71,869Total unused commitments
  • $0Restructured Loans and leases
  • $16,800Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $6,466Total interest expense
  • $2,152Net interest income
  • $4,314Provision for loan and lease losses
  • $5Total noninterest income
  • $390Fiduciary activities
  • $0Service charges on deposit accounts
  • $292Trading account gains & fees
  • $0Additional noninterest income
  • $98Total noninterest expense
  • $2,837Salaries and employee benefits
  • $1,174Premises and equipment expense
  • $330Additional noninterest expense
  • $1,333Pre-tax net operating income
  • $1,862Securities gains (losses)
  • $1Applicable income taxes
  • $701Income before extraordinary items
  • $1,162Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,162Net charge-offs
  • $157Cash dividends
  • $750Sale, 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
  • 8.67%Cost of funding earning assets
  • 2.88%Net interest margin
  • 5.78%Noninterest income to earning assets
  • 0.52%Noninterest expense to earning assets
  • 3.80%Net operating income to assets
  • 1.44%Return on assets (ROA)
  • 1.44%Pretax return on assets
  • 2.31%Return on equity (ROE)
  • 15.53%Retained earnings to average equity (YTD only)
  • 5.50%Net charge-offs to loans
  • 0.26%Credit loss provision to net charge-offs
  • 3.18%Efficiency ratio
  • 59,928Assets per employee
  • 1.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 64.54%Loss allowance to loans
  • 0.81%Loss allowance to noncurrent loans
  • 80.29%Noncurrent assets plus other real estate owned to assets
  • 0.87%Noncurrent loans to loans
  • 1.01%Net loans and leases to deposits
  • 103.08%Net loans and leases to core deposits
  • 110.70%Equity capital to assets
  • 8.99%Core capital (leverage) ratio
  • 9.07%Tier 1 risk-based capital ratio
  • 10.51%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $80,587Average earning assets
  • $7,485Average equity
  • $74,607Average loans

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