City National Bank Of West Virginia Mortgage Rates, Fees & Info

Charleston, WV

LEI: 549300KJZ82173UB3I21

Tax ID: 55-0399323

5 stars - out of 5 stars, based on 57 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

City National Bank Of West Virginia is a smaller bank specializing in Refi and Home Purchase loans. City National Bank Of West Virginia has a high proportion of conventional loans. Their top markets include Huntington, Charleston, Hagerstown, Beckley, and Lexington among others. City National Bank Of West Virginia has an average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. City National Bank Of West Virginia is typically a low fee lendor.


Originations

3,238

Origination Dollar Volume (All Markets)

$458,570,000

Employee count

907 Show all (13) awards

Relative Rate

City National Bank Of West Virginia's average 30 year fixed rate mortgage of loans were 3.16%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of 0.01%.

Relative Fees

City National Bank Of West Virginia's average total fees for a 30 year fixed rate mortgage are $1,395.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 856 $113,710,000 $132,839 $1,092 3.37%
Outside of Metro Areas 508 $61,790,000 $121,634 $1,366 3.44%
CHARLESTON, WV (FHA|USDA|VA) 480 $51,390,000 $107,063 $1,022 3.38%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 276 $41,020,000 $148,623 $1,524 3.24%
BECKLEY, WV (FHA|USDA|VA) 303 $29,025,000 $95,792 $834 3.56%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 116 $28,130,000 $242,500 $1,539 3.40%
STAUNTON, VA (FHA|USDA|VA) 146 $27,700,000 $189,726 $1,460 3.24%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 141 $22,265,000 $157,908 $1,627 3.27%
Clarksburg, WV (FHA|USDA|VA) 70 $11,180,000 $159,714 $1,542 3.22%
MORGANTOWN, WV (FHA|USDA|VA) 51 $10,905,000 $213,824 $1,846 3.23%
DAYTON-KETTERING, OH (FHA|USDA|VA) 8 $10,770,000 $1,346,250 $0 3.65%
COLUMBUS, OH (FHA|USDA|VA) 10 $8,060,000 $806,000 $3,063 3.61%
WINCHESTER, VA-WV (FHA|USDA|VA) 48 $7,910,000 $164,792 $3,023 3.01%
Point Pleasant, WV-OH (FHA|USDA|VA) 63 $6,565,000 $104,206 $802 3.52%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 24 $5,020,000 $209,167 $0 4.02%
Fairmont, WV (FHA|USDA|VA) 31 $4,685,000 $151,129 $2,005 3.19%
Mount Sterling, KY (FHA|USDA|VA) 22 $2,930,000 $133,182 $1,907 2.85%
Bluefield, WV-VA (FHA|USDA|VA) 26 $2,690,000 $103,462 $606 3.70%
Marietta, OH (FHA|USDA|VA) 2 $2,310,000 $1,155,000 $0 3.73%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 8 $1,830,000 $228,750 $2,069 3.76%
Portsmouth, OH (FHA|USDA|VA) 16 $1,730,000 $108,125 $1,072 3.12%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 7 $1,055,000 $150,714 $911 3.26%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $945,000 $945,000 $0 3.34%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $655,000 $655,000 $0 3.25%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $615,000 $615,000 $4,704 3.55%
Sevierville, TN (FHA|USDA|VA) 1 $455,000 $455,000 $0 4.00%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 2 $430,000 $215,000 $0 4.00%
Salem, OH (FHA|USDA|VA) 1 $295,000 $295,000 $0 4.25%
CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $275,000 $275,000 $4,077 3.33%
Frankfort, KY (FHA|USDA|VA) 3 $265,000 $88,333 $108 3.08%
Richmond-Berea, KY (FHA|USDA|VA) 2 $250,000 $125,000 $1,889 2.67%
WHEELING, WV-OH (FHA|USDA|VA) 1 $245,000 $245,000 $2,736 3.10%
PITTSBURGH, PA (FHA|USDA|VA) 1 $235,000 $235,000 $2,851 3.75%
LYNCHBURG, VA (FHA|USDA|VA) 1 $225,000 $225,000 $150 3.69%
RICHMOND, VA (FHA|USDA|VA) 1 $215,000 $215,000 $0 4.25%
Mount Gay-Shamrock, WV (FHA|USDA|VA) 2 $160,000 $80,000 $150 4.62%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $145,000 $145,000 $0 3.93%
Elkins, WV (FHA|USDA|VA) 1 $135,000 $135,000 $3,558 3.00%
OWENSBORO, KY (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.00%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.25%
HARRISONBURG, VA (FHA|USDA|VA) 2 $90,000 $45,000 $0 4.00%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $65,000 $65,000 $0 3.87%

City National Bank Of West Virginia's top markets include Huntington, Charleston, Hagerstown, Beckley, and Lexington among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 3,238 $458,570,000 $141,621 $1,229 3.38%

For the 2021 period, City National Bank Of West Virginia's most frequently originated loan type of loans were Conventional, with 3,238 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 1,157 $172,355,000 $148,967 $1,063 3.65%
Home Purchase 1,014 $207,440,000 $204,576 $1,833 3.42%
Home Improvement 601 $39,185,000 $65,200 $150 2.93%
Other 465 $38,925,000 $83,710 $150 3.17%
Cash Out Refi 1 $665,000 $665,000 $1,364 3.95%

For the 2021, City National Bank Of West Virginia's most frequently cited loan purpose of loans were Refi, with 1,157 originations. The 2nd most popular reason of loans were Home Purchase, with 1,014 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 2,110 $296,990,000 $140,754 $1,395 3.16%
20 Year 344 $48,880,000 $142,093 $1,061 3.89%
10 Year 329 $22,795,000 $69,286 $172 3.93%
15 Year 172 $24,440,000 $142,093 $2,279 3.06%
Other 160 $34,540,000 $215,875 $353 3.96%
5 Year 51 $10,765,000 $211,078 $150 3.77%
30+ year 37 $10,235,000 $276,622 $4,445 3.52%
1 Year 28 $5,410,000 $193,214 $0 4.25%
3 Year 7 $4,515,000 $645,000 $150 3.69%

For the 2021, City National Bank Of West Virginia's most frequently cited loan length of loans were 30 Year, with 2,110 originations. The 2nd most popular length of loans were 20 Year, with 344 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 1,418 $192,130,000 $135,494
$1k-2k 90 $19,330,000 $214,778
$2k-3k 28 $6,200,000 $221,429
$3k-4k 11 $2,445,000 $222,273
$5k+ 3 $865,000 $288,333

$1,395 of loans were City National Bank Of West Virginia's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 1,418 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 1,968 $337,910,000 $171,702
<2.5% 526 $41,420,000 $78,745
4-5% 436 $42,510,000 $97,500
2.5-3% 301 $35,665,000 $118,488
5-6% 7 $1,065,000 $152,143

During 2021, City National Bank Of West Virginia's average interest rate of loans were 3.16%, while their most frequently originated rate bucket of loans were 3-4%, with 1,968 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$100,000 or less 1,542 $79,450,000 $51,524 $612 3.34%
$100k-200k 1,034 $148,630,000 $143,743 $1,350 3.43%
$200k-400k 551 $147,195,000 $267,142 $1,912 3.35%
$400k-600k 70 $33,370,000 $476,714 $2,542 3.34%
$600k-1MM 26 $19,270,000 $741,154 $2,318 3.73%
$1MM+ 15 $30,655,000 $2,043,667 $0 3.68%

2021 saw City National Bank Of West Virginia place emphasis on $100,000 or less loans with 1,542 originations, totaling $79,450,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k-75k 766 $83,810,000 $109,413 $1,163 3.37%
$50k or less 678 $53,180,000 $78,437 $932 3.39%
$100k-150k 591 $95,635,000 $161,819 $1,490 3.30%
$75k-100k 542 $68,620,000 $126,605 $1,276 3.33%
$150k-250k 319 $56,985,000 $178,636 $1,501 3.21%
$250k+ 129 $32,235,000 $249,884 $1,812 3.29%

City National Bank Of West Virginia lent most frequently to those with incomes in the $50k-75k range, with 766 originations. The second most popular income band? $50k or less, with 678 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 834 $101,980,000 $122,278 $1,241 3.31%
30-36% 537 $71,055,000 $132,318 $1,290 3.30%
<20% 524 $55,960,000 $106,794 $1,083 3.51%
49% 148 $14,880,000 $100,541 $804 3.09%
36% 105 $17,305,000 $164,810 $1,579 3.22%
38% 86 $13,220,000 $153,721 $1,288 3.37%
40% 84 $12,170,000 $144,881 $1,219 3.37%
43% 78 $10,480,000 $134,359 $1,113 3.40%
39% 77 $11,975,000 $155,519 $1,454 3.30%
37% 77 $11,325,000 $147,078 $1,442 3.19%
48% 77 $10,625,000 $137,987 $1,513 3.24%
42% 72 $10,540,000 $146,389 $1,191 3.28%
41% 71 $11,795,000 $166,127 $1,134 3.41%
44% 68 $9,790,000 $143,971 $1,284 3.25%
45% 63 $10,015,000 $158,968 $1,329 3.31%
46% 57 $7,345,000 $128,860 $1,085 3.40%
47% 53 $8,565,000 $161,604 $1,087 3.38%
>60% 14 $1,120,000 $80,000 $150 3.67%
50-60% 13 $1,495,000 $115,000 $554 3.49%

City National Bank Of West Virginia lent most frequently to those with DTI ratios of 20-30%, with 834 originations. The next most common DTI ratio? 30-36%, with 537 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 2,826 $362,020,000 $128,103 $1,227 3.33%
Not applicable 194 $66,810,000 $344,381 $0 4.05%
Not provided 150 $19,430,000 $129,533 $1,048 3.33%
Asian 21 $3,945,000 $187,857 $1,750 3.30%
Black 33 $3,755,000 $113,788 $1,396 3.33%
American Indian 5 $1,285,000 $257,000 $2,278 3.15%
Asian Indian 7 $795,000 $113,571 $1,056 4.02%
Filipino 1 $295,000 $295,000 $2,482 2.75%
Other Asian 1 $235,000 $235,000 $1,991 3.25%

Approval Rates

Total approvals of all applications
77.72%

City National Bank Of West Virginia has a below average approval rate.

Pick Rate

Approvals leading to origination
78.55%

City National Bank Of West Virginia has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 3,238 $458,570,000 $141,621

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
3,238 $458,570,000 $141,621

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 534 $38,510,000 $72,116 $507 3.26%
40-60% 415 $49,695,000 $119,747 $1,016 3.50%
60-80% 710 $130,520,000 $183,831 $1,515 3.63%
80-100% 1,006 $207,270,000 $206,034 $1,515 3.40%
Over 100% 17 $10,535,000 $619,706 $0 3.77%
Under 20% 544 $20,720,000 $38,088 $162 2.99%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
CITY NATIONAL BANK Home equity loan or line of credit (HELOC) Struggling to pay mortgage 1 100.0%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
City National Bank of West Virginia 120 Kanawha Boulevard W. Charleston, WV 25302 Full Service B&M $44,360
City National Bank of West Virginia 1 Main Street Gauley Bridge, WV 25085 Full Service B&M $38,801
City National Bank of West Virginia 10 Hale Street Charleston, WV 25301 Full Service B&M $117,628
City National Bank of West Virginia 100 Elizabeth Dr Stephens City, VA 22655 Full Service B&M $19,496
City National Bank of West Virginia 100 Poplar Fork Road Scott Depot, WV 25560 Full Service B&M $77,722
City National Bank of West Virginia 1001 South Main St Woodstock, VA 22664 Full Service B&M $48,491
City National Bank of West Virginia 1004 Bridge Road Charleston, WV 25314 Full Service B&M $19,696
City National Bank of West Virginia 101 Commonwealth Drive Mount Sterling, KY 40353 Full Service B&M $21,850
City National Bank of West Virginia 101 Community Way Staunton, VA 24401 Full Service B&M $32,955
City National Bank of West Virginia 1711 Second Street Mason, WV 25260 Full Service B&M $23,861
City National Bank of West Virginia 1723 Harper Road Beckley, WV 25801 Full Service B&M $30,686
City National Bank of West Virginia 1751 5th Avenue Huntington, WV 25703 Full Service B&M $14,351
City National Bank of West Virginia 1800 Argillite Road Flatwoods, KY 41139 Full Service B&M $39,112
City National Bank of West Virginia 1830 Valley Avenue Winchester, VA 22601 Full Service B&M $40,519
City National Bank of West Virginia 1881 Robert C. Byrd Drive Beckley, WV 25801 Full Service Retail $15,406
City National Bank of West Virginia 1900 Third Avenue Huntington, WV 25703 Full Service B&M $149,615
City National Bank of West Virginia 191 Greasy Ridge Road Princeton, WV 24740 Full Service B&M $41,676
City National Bank of West Virginia 1995 Sutton Lane Sutton, WV 26601 Full Service B&M $36,343
City National Bank of West Virginia 200 Academy Drive Ripley, WV 25271 Full Service Retail $8,863
City National Bank of West Virginia 201 State Street Proctorville, OH 45669 Full Service B&M $36,641
City National Bank of West Virginia 206 Central Avenue Wayne, WV 25570 Full Service B&M $59,286
City National Bank of West Virginia 318 East Main Street Lexington, KY 40507 Full Service B&M $61,647
City National Bank of West Virginia 320 4th Avenue Montgomery, WV 25136 Full Service B&M $49,607
City National Bank of West Virginia 324 Elk Street Gassaway, WV 26624 Full Service B&M $17,729
City National Bank of West Virginia 33230 Old Valley Pike Strasburg, VA 22657 Full Service B&M $43,992
City National Bank of West Virginia 351 River Hill Road Ashland, KY 41101 Full Service B&M $6,700
City National Bank of West Virginia 3601 Maccorkle Ave., Se Charleston, WV 25304 Full Service B&M $227,086
City National Bank of West Virginia 3750 Palomar Centre Drive Lexington, KY 40513 Full Service B&M $48,556
City National Bank of West Virginia 38 North Central Avenue Staunton, VA 24401 Full Service B&M $95,382
City National Bank of West Virginia 386 West Main Street Carlisle, KY 40311 Full Service B&M $49,667
City National Bank of West Virginia 39 Raymond Peak Way Hurricane, WV 25526 Full Service B&M $29,410
City National Bank of West Virginia 4110 Maccorkle Avenue, Sw South Charleston, WV 25309 Full Service B&M $36,006
City National Bank of West Virginia 413 Fifth Street New Haven, WV 25265 Full Service B&M $16,083
City National Bank of West Virginia 440 North Mayo Trail Paintsville, KY 41240 Full Service B&M $36,716
City National Bank of West Virginia 506 Park Avenue Ironton, OH 45638 Full Service B&M $64,121
City National Bank of West Virginia 515 Stokes Drive Hinton, WV 25951 Full Service B&M $70,888
City National Bank of West Virginia 5263 U.S. Route 60 East Huntington, WV 25705 Full Service B&M $65,258
City National Bank of West Virginia 5517 Robert C Byrd Drive Mount Hope, WV 25880 Full Service B&M $33,898
City National Bank of West Virginia 560 4th St. St. Albans, WV 25177 Full Service B&M $103,587
City National Bank of West Virginia 575 N.Carol Malone Boulevard Grayson, KY 41143 Full Service B&M $35,044
City National Bank of West Virginia 600 Commerce Avenue Front Royal, VA 22630 Full Service B&M $47,394
City National Bank of West Virginia 601 Alta Drive Alderson, WV 24910 Full Service B&M $46,993
City National Bank of West Virginia 603 South Mayo Trail Paintsville, KY 41240 Full Service B&M $98,510
City National Bank of West Virginia 617 23rd Street Suite 104 Ashland, KY 41101 Full Service B&M $2,989
City National Bank of West Virginia 6888 Mcclellan Street West Hamlin, WV 25571 Full Service B&M $47,809
City National Bank of West Virginia U.S. 27 South Cynthiana, KY 41031 Full Service B&M $61,818
City National Bank of West Virginia Us Route 219, #10 Red Oak Shopping Center Ronceverte, WV 24970 Full Service B&M $12,250
City National Bank of West Virginia 101 Second Street Sutton, WV 26601 Full Service B&M $46,125
City National Bank of West Virginia 101 So. Kanawha Street Beckley, WV 25801 Full Service B&M $46,520
City National Bank of West Virginia 1012 Rockwood Avenue Chesapeake, OH 45619 Full Service B&M $41,625
City National Bank of West Virginia 102 Melrose Drive Glasgow, WV 25086 Full Service B&M $26,515
City National Bank of West Virginia 102 Walker Street Lexington, VA 24450 Full Service B&M $12,068
City National Bank of West Virginia 1034 South George Street Charles Town, WV 25414 Full Service B&M $54,208
City National Bank of West Virginia 1041 Church Street Milton, WV 25541 Full Service B&M $71,427
City National Bank of West Virginia 108 Church Street N Ripley, WV 25271 Full Service B&M $107,818
City National Bank of West Virginia 109 South Jefferson Street Lewisburg, WV 24901 Full Service B&M $118,301
City National Bank of West Virginia 115 West Main Street Clarksburg, WV 26301 Full Service B&M $22,100
City National Bank of West Virginia 1182 Pineview Drive Morgantown, WV 26505 Full Service B&M $3,149
City National Bank of West Virginia 119 N Main Cross St Louisa, KY 41230 Full Service B&M $47,654
City National Bank of West Virginia 21 Dick Huff Lane Verona, VA 24482 Full Service B&M $43,430
City National Bank of West Virginia 212 Airport Road Beaver, WV 25813 Full Service B&M $61,886
City National Bank of West Virginia 2134 Raphine Road Raphine, VA 24472 Full Service B&M $26,276
City National Bank of West Virginia 2212 Jackson Avenue Point Pleasant, WV 25550 Full Service B&M $69,212
City National Bank of West Virginia 255 Administrative Drive Martinsburg, WV 25404 Full Service B&M $63,310
City National Bank of West Virginia 2658 Stuarts Draft Highway Stuarts Draft, VA 24477 Full Service B&M $31,852
City National Bank of West Virginia 2700 Mountaineer Blvd. South Charleston, WV 25309 Full Service Retail $13,519
City National Bank of West Virginia 2934 W. Main St. Waynesboro, VA 22980 Full Service B&M $47,432
City National Bank of West Virginia 300 Eighth Street Marlinton, WV 24954 Full Service B&M $56,188
City National Bank of West Virginia 304 Tenth Street Dunbar, WV 25064 Full Service B&M $37,114
City National Bank of West Virginia 308 Goff Mountain Road Cross Lanes, WV 25313 Full Service B&M $124,844
City National Bank of West Virginia 316 Walden Drive Lexington, KY 40517 Full Service B&M $33,891
City National Bank of West Virginia 709 Nicholas Street Rupert, WV 25984 Full Service B&M $17,674
City National Bank of West Virginia 75 West Virginia Way Ranson, WV 25438 Full Service B&M $32,819
City National Bank of West Virginia 8028 Lynn Avenue Hamlin, WV 25523 Full Service B&M $24,508
City National Bank of West Virginia 852 U.S. 23 South Shore, KY 41175 Full Service B&M $20,827
City National Bank of West Virginia 88 Cordial Ct Falling Waters, WV 25419 Full Service B&M $39,826
City National Bank of West Virginia 9005 Maccorkle Avenue Se Marmet, WV 25315 Full Service B&M $44,404
City National Bank of West Virginia 902 North Eisenhower Drive Beckley, WV 25801 Full Service B&M $57,370
City National Bank of West Virginia 923 North High Street Worthington, OH 43085 Full Service B&M $4,984
City National Bank of West Virginia 9431 Us Route 60 Ashland, KY 41102 Full Service B&M $98,261
City National Bank of West Virginia 946 Roosevelt Boulevard Eleanor, WV 25070 Full Service B&M $57,000
City National Bank of West Virginia One Park Avenue Beckley, WV 25801 Full Service B&M $211,353
City National Bank of West Virginia One Wall Street Winfield, WV 25213 Full Service B&M $58,114
City National Bank of West Virginia 1216 Johnson Avenue Bridgeport, WV 26330 Full Service B&M $35,999
City National Bank of West Virginia 1218 Main Street Rainelle, WV 25962 Full Service B&M $57,515
City National Bank of West Virginia 128 West 21st Street Buena Vista, VA 24416 Full Service B&M $26,194
City National Bank of West Virginia 130 Piercy Drive Lewisburg, WV 24901 Full Service B&M $44,048
City National Bank of West Virginia 1414 Ashland Road Greenup, KY 41144 Full Service B&M $52,399
City National Bank of West Virginia 142 Sader Drive Inwood, WV 25428 Full Service B&M $38,488
City National Bank of West Virginia 149 N. Washington Street Berkeley Springs, WV 25411 Full Service B&M $29,136
City National Bank of West Virginia 150 South Main Street Nicholasville, KY 40356 Full Service B&M $67,879
City National Bank of West Virginia 1500 Carter Ave Ashland, KY 41101 Full Service B&M $142,911
City National Bank of West Virginia 1500 Diederich Boulevard Russell, KY 41169 Full Service B&M $22,629
City National Bank of West Virginia 1700 West King Street Martinsburg, WV 25401 Full Service B&M $94,196

For 2021, City National Bank Of West Virginia had 94 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $163,981
Net interest income $154,179
Total noninterest income $69,371
Gross Fiduciary activities income $8,412
Service charges on deposit accounts $24,420
Trading account gains and fees $0
Additional Noninterest Income $36,539
Pre-tax net operating income $110,529
Securities gains (or losses, -) $-43
Income before extraordinary items $87,289
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $87,289
Minority interest net income $0
Net income $87,289
Sale, conversion, retirement of capital stock, net $2,760
Net operating income $87,322

City National Bank Of West Virginia's gross interest income from loans was $163,981,000.
City National Bank Of West Virginia's net interest income from loans was $154,179,000.
City National Bank Of West Virginia's fee based income from loans was $24,420,000.
City National Bank Of West Virginia's net income from loans was $87,289,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $9,802
Provision for credit losses $-3,163
Total noninterest expense $116,184
Salaries and employee benefits $62,550
Premises and equipment expense $19,324
Additional noninterest expense $34,310
Applicable income taxes $23,197
Net charge-offs $3,220
Cash dividends $81,000

City National Bank Of West Virginia's interest expense for loans was $9,802,000.
City National Bank Of West Virginia's payroll and benefits expense were $62,550,000.
City National Bank Of West Virginia's property, plant and equipment expenses $19,324,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 0.0%
HELOC loans 0.0%
All other family 0.0%
Commercial & industrial loans 0.0%
Personal loans 0.0%
Credit card loans 0.0%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $4,951,255
Deposits held in domestic offices $4,951,255
Deposits by Individuals, partnerships, and corporations $4,676,775
Deposits by U.S. Government $6
Deposits by States and political subdivisions in the U.S. $273,302
Deposits by Commercial banks and other depository institutions in U.S. $1,171
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $957,856
Demand deposits $904,843
Nontransaction accounts $3,993,398
Money market deposit accounts (MMDAs) $684,190
Other savings deposits (excluding MMDAs) $2,240,294
Total time deposits $1,068,914
Total time and savings deposits $4,046,411
Noninterest-bearing deposits $1,399,045
Interest-bearing deposits $3,552,210
Retail deposits $4,818,105
IRAs and Keogh plan accounts $215,871
Brokered deposits $0
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $5,955,821
Cash & Balances due from depository institutions $633,288
Interest-bearing balances $531,615
Total securities $1,372,824
Federal funds sold & reverse repurchase $0
Net loans and leases $3,524,175
Loan and leases loss allowance $18,166
Trading account assets $0
Bank premises and fixed assets $72,840
Other real estate owned $524
Goodwill and other intangibles $117,121
All other assets $235,049

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $5,955,821
Total Liabilities $5,338,850
Total deposits $4,951,255
Interest-bearing deposits $3,552,210
Deposits held in domestic offices $4,951,255
% insured (estimated) $94
Federal funds purchased and repurchase agreements $312,458
Trading liabilities $0
Other borrowed funds $0
Subordinated debt $0
All other liabilities $75,137

Issued Loan Types

Type Value (in 000's)
Net loans and leases $3,524,175
Loan and leases loss allowance $18,166
Total loans and leases (domestic) $3,542,341
All real estate loans $3,131,259
Real estate loans in domestic offices $3,131,259
Construction and development loans $29,034
Residential 1-4 family construction $17,251
Other construction, all land development and other land $11,783
Loans secured by nonfarm nonresidential properties $1,115,601
Nonfarm nonresidential secured by owner-occupied properties $194,723
Commercial real estate & other non-farm, non-residential $920,878
Multifamily residential real estate $215,855
1-4 family residential loans $1,760,794
Farmland loans $9,975
Loans held in foreign offices $0
Farm loans $1,598
Commercial and industrial loans $341,688
To non-U.S. addressees $0
Loans to individuals $41,545
Credit card loans $0
Related Plans $593
Consumer Auto Loans $30,774
Other loans to individuals $10,178
All other loans & leases $26,251
Loans to foreign governments and official institutions $0
Other loans $9,399
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $0
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $20,372
Non 1-4 family restructured loans & leases $2,216
Total loans and leases (foreign) $0

City National Bank of West Virginia had $3,524,175,000 of loans outstanding in 2021. $3,131,259,000 of loans were in real estate loans. $29,034,000 of loans were in development loans. $215,855,000 of loans were in multifamily mortgage loans. $1,760,794,000 of loans were in 1-4 family mortgage loans. $1,598,000 of loans were in farm loans. $0 of loans were in credit card loans. $30,774,000 of loans were in the auto loan category.

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 1,200 $192,228 $160,190
Nonfarm, nonresidential loans - <$100k 418 $7,666 $18,340
Nonfarm, nonresidential loans - $100-250k 397 $48,061 $121,060
Nonfarm, nonresidential loans - $250k-1MM 385 $136,501 $354,548
Commercial & Industrial, US addressed loans - <$1MM 1,461 $98,119 $67,159
Commercial & Industrial, US addressed loans - <$100k 1,047 $19,279 $18,414
Commercial & Industrial, US addressed loans - $100-250k 228 $22,220 $97,456
Commercial & Industrial, US addressed loans - $250k-1MM 186 $56,620 $304,409
Farmland loans - <$1MM 95 $7,704 $81,095
Farmland loans - <$100k 52 $1,787 $34,365
Farmland loans - $100-250k 37 $4,145 $112,027
Farmland loans - $250k-1MM 6 $1,772 $295,333
Agriculture operations loans - <$1MM 63 $1,184 $18,794
Agriculture operations loans - <$100k 60 $850 $14,167
Agriculture operations loans - $100-250k 3 $334 $111,333