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 (3.3 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 13.2 and a capital leverage ratio of 8.9. A current level of 6.4 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Good asset quality (6.2).
Asset Mix:
Home mtgs (50%), comm re (14%), comm loans (9%), cash (6%), securities (4%), consumer loans (4%), other (13%)
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.