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 (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Good (5.7) profitability.
Other Rating Factors:
Excellent current capitalization (9.1 on a scale of 0 to 10) and a capital leverage ratio of 10.4. A current level of 2.1 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Excellent asset quality (7.6).
Asset Mix:
Home mtgs (31%), comm re (22%), securities (9%), cash (8%), comm loans (5%), home eq lns (4%), consumer loans (3%), other (19%)
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
Investment Rating
--
Address
19747 Main Street
Buchanan, VA 24066
Buchanan, VA 24066
Phone Number
(540) 591-5000
Year Founded
1899
FDIC Number
Website
Largest Affiliates
No affiliate information available.