Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.9 has resulted in Fair (4.2) profitability. A current level of 7.0 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Fair asset quality (3.6).
Other Rating Factors:
Good current capitalization (6.3 on a scale of 0 to 10) based on a risk-based capital ratio of 11.5 and a capital leverage ratio of 8.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Asset Mix:
Home mtgs (24%), consumer loans (18%), comm re (16%), securities (10%), comm loans (4%), cash (3%), home eq lns (3%), other (21%)
States with Branches:
VA, 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
Allegheny Bancshares, Inc.
Investment Rating
--
Address
128 North Main Street
Franklin, WV 26807
Franklin, WV 26807
Phone Number
(304) 358-2311
Year Founded
1925
FDIC Number
Website
Largest Affiliates
No affiliate information available.