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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