One Valley Bank, FSB in Point Pleasant, West Virginia (WV)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 31, 1997

One Valley Bank, FSB in Point Pleasant, West Virginia (WV)
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One Valley Bank, FSB - Overview

General
FDIC Certificate #: 27756
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: One Valley Bank, National Association (#840)
Federal Reserve ID: 872971
Date Established: January 01, 1892
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 228
FDIC's unique #: 40590
Numeric code: 33
Regulator: OTS
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
FDIC Insured: Yes
SAIF Insured: Yes
Insured Savings Institution: Yes
State Chartered: No
Date of Deposit Insurance: May 10, 1935
Last Structure Change Effective Date: October 31, 1997
Last Structure Change Process Date: November 14, 1997
Last Data Update: November 14, 1997
Data Source Date: April 05, 2012
Location
Address: 610-612 Viand Street, Point Pleasant, WV 25550
County: Mason
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
Core Based Statistical Area (CBSA): Point Pleasant, WV-OH (#38580)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $55.2 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$7Total assets
$61,480Cash and due from depository institutions
$470Interest-bearing balances
$233Securities
$35,090Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$21,090Loan loss allowance
$321Trading account assets
$0Bank premises and fixed assets
$558Other real estate owned
$0Goodwill and other intangibles
$798Life insurance assets
$3,474All other assets
$0Total liabilities and capital
$61,480Total liabilities
$46,941Total deposits
$39,875Interest-bearing deposits
$39,458Deposits held in domestic offices
39875.00%% insured (estimated)
$100Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$5,078Subordinated debt
$0All other liabilities
$1,988Total equity capital
$1,988Total bank equity capital
$14,539Perpetual preferred stock
$0Common stock
$1Surplus
$6,431Undivided profits
Memoranda
$8,107Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$467Income earned, not collected on loans
$109Earning assets
$56,413Long-term assets (5+ years)
$0Average Assets, year-to-date
$61,366Average Assets, quarterly
$61,822Volatile liabilities
$5,701Insider loans
$0FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$1,046Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$11,000Total risk weighted assets
$20,300Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$4,120Total interest expense
$2,256Net interest income
$1,864Provision for loan and lease losses
$165Total noninterest income
$65Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$65Total noninterest expense
$1,465Salaries and employee benefits
$201Premises and equipment expense
$174Additional noninterest expense
$1,090Pre-tax net operating income
$299Securities gains (losses)
$26Applicable income taxes
$197Income before extraordinary items
$128Extraordinary gains - net
$0Net income attributable to bank
$128Net charge-offs
$6Cash dividends
$400Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.32%Cost of funding earning assets
4.01%Net interest margin
3.31%Noninterest income to earning assets
0.12%Noninterest expense to earning assets
2.60%Net operating income to assets
0.18%Return on assets (ROA)
0.21%Pretax return on assets
0.53%Return on equity (ROE)
0.88%Retained earnings to average equity (YTD only)
-1.86%Net charge-offs to loans
0.03%Credit loss provision to net charge-offs
2750.00%Efficiency ratio
54,018Assets per employee
8.78%Cash dividends to net income (YTD only)
Condition Ratios (%)
312.50%Loss allowance to loans
1.50%Loss allowance to noncurrent loans
68.74%Noncurrent assets plus other real estate owned to assets
0.76%Noncurrent loans to loans
2.18%Net loans and leases to deposits
52.89%Net loans and leases to core deposits
53.73%Equity capital to assets
23.65%Core capital (leverage) ratio
18.98%Tier 1 risk-based capital ratio
54.19%Total risk-based capital ratio
Memoranda
$55Average assets
$61,366Average earning assets
$14,628Average equity
$56,254Average loans

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