Whitesville State Bank
Major Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) and a capital leverage ratio of 10.0. A current level of 4.2 percent of nonperforming loans to core capital combined with 3.6 percent from a year earlier contributes to the Good asset quality (5.3).
Other Rating Factors:
Fair liquidity 3.7, driven by a liquidity ratio of 41.0 percent and a “hot money” ratio of 23.6 percent. Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Fair (3.2) profitability.
Asset Mix:
Securities (32%), home mtgs (27%), consumer loans (17%), cash (8%), comm re (6%), comm loans (3%), home eq lns (1%), other (6%)
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
Big Coal River Bancorp, Inc.
Investment Rating
--
Address
38609 Coal River Road
Whitesville, WV 25209
Whitesville, WV 25209
Phone Number
(304) 854-1271
Year Founded
1946
FDIC Number
Website
Largest Affiliates
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