Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (3.7) profitability.
Other Rating Factors:
A current level of 3.2 percent of nonperforming loans to core capital combined with 5.9 percent from a year earlier contributes to the Good asset quality (5.9). Good current capitalization (5.5 on a scale of 0 to 10) based on a risk-based capital ratio of 11.9 and a capital leverage ratio of 7.5.
Asset Mix:
Home mtgs (39%), securities (14%), comm loans (10%), comm re (10%), consumer loans (8%), cash (4%), home eq lns (2%), other (14%)
States with Branches:
WV
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
The Poca Valley Bankshares, Inc.
Investment Rating
--
Address
7033 Charleston Road
Walton, WV 25286
Walton, WV 25286
Phone Number
(304) 586-2300
Year Founded
1908
FDIC Number
Website
Largest Affiliates
No affiliate information available.