Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Very Weak (1.0) profitability.
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 (8.7). Good current capitalization (6.7 on a scale of 0 to 10) based on a risk-based capital ratio of 13.3 and a capital leverage ratio of 8.7.
Asset Mix:
Home mtgs (46%), comm re (16%), comm loans (9%), cash (7%), securities (5%), consumer loans (4%), other (14%)
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
Davis Trust Financial Corporation
Investment Rating
--
Address
227 Davis Avenue
Elkins, WV 26241
Elkins, WV 26241
Phone Number
(304) 636-0991
Year Founded
1901
FDIC Number
Website
Largest Affiliates
No affiliate information available.