Whitesville State Bank
Major Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) and a capital leverage ratio of 10.2. A current level of 1.4 percent of nonperforming loans to core capital combined with 5.3 percent from a year earlier contributes to the Excellent asset quality (7.3).
Other Rating Factors:
Operating profits as a percentage of assets at 4.1%, coupled with a return on assets of 4.1 has resulted in Good (5.2) profitability. Fair liquidity 4.0, driven by a liquidity ratio of 44.3 percent and a “hot money” ratio of 22.3 percent.
Asset Mix:
Securities (35%), home mtgs (26%), consumer loans (16%), cash (8%), comm re (6%), comm loans (2%), 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
No affiliate information available.