Citizens Bank of Morgantown, Inc.
Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Fair (4.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 17.9. A current level of 3.1 percent of nonperforming loans to core capital combined with 3.5 percent from a year earlier contributes to the Excellent asset quality (8.7).
Asset Mix:
Home mtgs (51%), securities (20%), cash (6%), comm re (6%), home eq lns (4%), consumer loans (4%), comm loans (3%), 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
Morgantown Bancshares, Inc.
Investment Rating
--
Address
265 High Street
Morgantown, WV 26505
Morgantown, WV 26505
Phone Number
(304) 292-8411
Year Founded
1979
FDIC Number
Website
Largest Affiliates
No affiliate information available.