| Weiss Ratings |
The Bank of Charlotte County
Phenix, VA |
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| Rating | ||||
| Asset Quality Index | 7.00 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.10 | |||
| Profitability Index | 6.30 | |||
| Stability Index | 6.50 | |||
| Company Info |
The Bank of Charlotte County
Phenix, VA |
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| FDIC Number | 14491 | |||
| Phone Number | (434) 542-5111 | |||
| Website | www.bankofcharlotte.com | |||
| Asset Quality |
The Bank of Charlotte County
Phenix, VA |
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| 1-Year Asset Growth | 12.21% | |||
| 5-Year Asset Growth | 8.99% | |||
| 5-Year Charge-Offs to Average Loans | 0.03% | |||
| Charge-Offs to Average Loans | 0.06% | |||
| Non-Performing Assets to Assets | 0.69% | |||
| Non-Performing Loans to Capital | 6.24% | |||
| Non-Performing Loans to Loans | 0.96% | |||
| Balance Sheet |
The Bank of Charlotte County
Phenix, VA |
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| Total Assets | 228.12M | |||
| Total Deposits | 203.72M | |||
| Capital and Reserves |
The Bank of Charlotte County
Phenix, VA |
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| Capital | 23.44M | |||
| Leverage Ratio | 10.99 | |||
| Loan Loss Reserves to Loans | 1.09% | |||
| Risk-Based Capital Ratio | 17.97 | |||
| Liquidity |
The Bank of Charlotte County
Phenix, VA |
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| Hot Money Ratio | 12.37% | |||
| Liquidity Ratio | 26.01% | |||
| Profitability |
The Bank of Charlotte County
Phenix, VA |
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| 5-Year Return on Average Assets | 1.08% | |||
| Net Income | 2.65M | |||
| Net Interest Spread | 4.46% | |||
| Operating Profit to Average Assets | 1.55% | |||
| Overhead Efficiency Ratio | 64.19% | |||
| Return on Assets | 1.23% | |||
| Return on Equity | 11.61% | |||