West Union Bank
Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.9 has resulted in Fair (3.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.1 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 0.7 percent from a year earlier contributes to the Excellent asset quality (8.3). Good current capitalization (6.2 on a scale of 0 to 10) based on a risk-based capital ratio of 15.1 and a capital leverage ratio of 8.2.
Asset Mix:
Securities (44%), comm re (13%), consumer loans (10%), cash (8%), home mtgs (6%), comm loans (4%), home eq lns (1%), other (15%)
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
Tri-County Bancorp, Inc.
Investment Rating
--
Address
212 Main Street
West Union, WV 26456
West Union, WV 26456
Phone Number
(304) 873-2361
Year Founded
1893
FDIC Number
Website
Largest Affiliates
No affiliate information available.