Martinsville First Savings Bank
Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Weak (1.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 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 43.0 and a capital leverage ratio of 19.7. A current level of 4.3 percent of nonperforming loans to core capital combined with 3.7 percent from a year earlier contributes to the Good asset quality (6.8).
Asset Mix:
Home mtgs (57%), cash (24%), securities (10%), comm re (2%), consumer loans (0%), other (6%)
States with Branches:
VA
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
First Mutual Holding Co.
Investment Rating
--
Address
25 West Church Street
Martinsville, VA 24112
Martinsville, VA 24112
Phone Number
(276) 638-8771
Year Founded
1924
FDIC Number
Largest Affiliates
No affiliate information available.