Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.7 has resulted in Fair (3.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 35.9 and a capital leverage ratio of 17.8. A current level of 3.3 percent of nonperforming loans to core capital combined with 2.1 percent from a year earlier contributes to the Excellent asset quality (8.8).
Asset Mix:
Home mtgs (76%), cash (7%), securities (5%), home eq lns (4%), consumer loans (3%), comm re (1%), comm loans (0%), other (3%)
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
Investment Rating
--
Address
351 Carolina Avenue
Chester, WV 26034
Chester, WV 26034
Phone Number
(304) 387-1620
Year Founded
1899
FDIC Number
Website
Largest Affiliates
No affiliate information available.