Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.7 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (8.3). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.3 has resulted in Good (6.0) profitability.
Asset Mix:
Home mtgs (33%), securities (30%), cash (19%), consumer loans (15%), comm re (2%), comm loans (1%), other (1%)
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
First Clay County Banc Corporation
Investment Rating
--
Address
150 Main Street
Clay, WV 25043
Clay, WV 25043
Phone Number
(304) 587-4221
Year Founded
1902
FDIC Number
Website
Largest Affiliates
No affiliate information available.