Major Rating Factors:
A current level of 14.9 percent of nonperforming loans to core capital combined with 8.1 percent from a year earlier contributes to the Fair asset quality (4.8).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 22.0 and a capital leverage ratio of 12.4. 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).
Asset Mix:
Home mtgs (32%), comm re (16%), securities (15%), cash (9%), consumer loans (6%), comm loans (3%), home eq lns (1%), other (17%)
States with Branches:
VA
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
483 Front Street West
Coeburn, VA 24230
Coeburn, VA 24230
Phone Number
(276) 395-2230
Year Founded
1982
FDIC Number
Website
Largest Affiliates
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