Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Fair (4.5) profitability. 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).
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (8.7). Good current capitalization (7.0 on a scale of 0 to 10) based on a risk-based capital ratio of 13.6 and a capital leverage ratio of 9.0.
Asset Mix:
Home mtgs (48%), comm re (15%), cash (9%), comm loans (9%), securities (4%), consumer loans (3%), other (12%)
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.