Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 21.3 and a capital leverage ratio of 12.8. Operating profits as a percentage of assets at 3.7%, coupled with a return on assets of 3.4 has resulted in Excellent (8.2) profitability.
Other Rating Factors:
A current level of 3.8 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Excellent asset quality (7.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (29%), securities (21%), cash (14%), comm re (12%), comm loans (3%), home eq lns (2%), consumer loans (2%), other (17%)
States with Branches:
VA
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
BCC Bankshares, Inc.
Investment Rating
--
Address
101 Berkley Street
Phenix, VA 23959
Phenix, VA 23959
Phone Number
(434) 542-5111
Year Founded
1912
FDIC Number
Website
Largest Affiliates
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