Williamstown Bank, Inc.
Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Fair (3.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) and a capital leverage ratio of 10.3. A current level of 1.8 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (7.2).
Asset Mix:
Home mtgs (33%), comm re (14%), consumer loans (13%), comm loans (9%), securities (8%), cash (6%), home eq lns (3%), other (13%)
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
Investment Rating
--
Address
435 Highland Avenue
Williamstown, WV 26187
Williamstown, WV 26187
Phone Number
(304) 375-6262
Year Founded
1919
FDIC Number
Website
Largest Affiliates
No affiliate information available.