| Weiss Ratings |
Clay County Bank, Inc.
Clay, WV |
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| Rating | ||||
| Asset Quality Index | 8.30 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.90 | |||
| Profitability Index | 6.00 | |||
| 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 | 4.57% | |||
| 5-Year Asset Growth | 7.54% | |||
| 5-Year Charge-Offs to Average Loans | 0.05% | |||
| Charge-Offs to Average Loans | 0.07% | |||
| Non-Performing Assets to Assets | 0.11% | |||
| Non-Performing Loans to Capital | 0.74% | |||
| Non-Performing Loans to Loans | 0.22% | |||
| Balance Sheet |
Clay County Bank, Inc.
Clay, WV |
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| Total Assets | 129.71M | |||
| Total Deposits | 112.14M | |||
| Capital and Reserves |
Clay County Bank, Inc.
Clay, WV |
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| Capital | 17.16M | |||
| Leverage Ratio | 14.39 | |||
| Loan Loss Reserves to Loans | 1.86% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Clay County Bank, Inc.
Clay, WV |
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| Hot Money Ratio | 27.01% | |||
| Liquidity Ratio | 43.41% | |||
| Profitability |
Clay County Bank, Inc.
Clay, WV |
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| 5-Year Return on Average Assets | 1.24% | |||
| Net Income | 1.65M | |||
| Net Interest Spread | 3.75% | |||
| Operating Profit to Average Assets | 1.48% | |||
| Overhead Efficiency Ratio | 64.82% | |||
| Return on Assets | 1.31% | |||
| Return on Equity | 9.91% | |||