| Weiss Ratings |
Clay County Bank, Inc.
Clay, WV |
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| Rating | ||||
| Asset Quality Index | 8.30 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 4.00 | |||
| Profitability Index | 5.80 | |||
| Stability Index | 8.50 | |||
| Company Info |
Clay County Bank, Inc.
Clay, WV |
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| FDIC Number | 2444 | |||
| Phone Number | (304) 587-4221 | |||
| Website | www.claycounty.bank | |||
| Asset Quality |
Clay County Bank, Inc.
Clay, WV |
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| 1-Year Asset Growth | 7.13% | |||
| 5-Year Asset Growth | 7.54% | |||
| 5-Year Charge-Offs to Average Loans | 0.05% | |||
| Charge-Offs to Average Loans | 0.02% | |||
| Non-Performing Assets to Assets | 0.19% | |||
| Non-Performing Loans to Capital | 1.27% | |||
| Non-Performing Loans to Loans | 0.39% | |||
| Balance Sheet |
Clay County Bank, Inc.
Clay, WV |
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| Total Assets | 131.98M | |||
| Total Deposits | 113.12M | |||
| Capital and Reserves |
Clay County Bank, Inc.
Clay, WV |
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| Capital | 18.14M | |||
| Leverage Ratio | 14.81 | |||
| Loan Loss Reserves to Loans | 1.84% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Clay County Bank, Inc.
Clay, WV |
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| Hot Money Ratio | 27.47% | |||
| Liquidity Ratio | 44.70% | |||
| Profitability |
Clay County Bank, Inc.
Clay, WV |
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| 5-Year Return on Average Assets | 1.23% | |||
| Net Income | 707.00K | |||
| Net Interest Spread | 3.62% | |||
| Operating Profit to Average Assets | 1.36% | |||
| Overhead Efficiency Ratio | 66.17% | |||
| Return on Assets | 1.08% | |||
| Return on Equity | 7.98% | |||