Major Rating Factors:
Good current capitalization (6.2 on a scale of 0 to 10) and a capital leverage ratio of 13.5.
Other Rating Factors:
Weak liquidity 1.2, driven by a liquidity ratio of 30.3 percent and a “hot money” ratio of 7.8 percent. A current level of 2.5 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Good asset quality (6.3).
Asset Mix:
Securities (40%), home mtgs (23%), cash (14%), comm re (6%), consumer loans (1%), other (15%)
States with Branches:
MD, 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
Investment Rating
--
Address
172 East Avenue
Thomas, WV 26292
Thomas, WV 26292
Phone Number
(304) 463-4155
Year Founded
1902
FDIC Number
Largest Affiliates
No affiliate information available.