| Weiss Ratings |
Citizens Bank of West Virginia, Inc.
Elkins, WV |
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| Rating | ||||
| Asset Quality Index | 4.90 | |||
| Capitalization Index | 9.00 | |||
| Liquidity Index | 0.80 | |||
| Profitability Index | 7.90 | |||
| Stability Index | 4.30 | |||
| Company Info |
Citizens Bank of West Virginia, Inc.
Elkins, WV |
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| FDIC Number | 6760 | |||
| Phone Number | (304) 636-4095 | |||
| Website | www.citizenswv.com | |||
| Asset Quality |
Citizens Bank of West Virginia, Inc.
Elkins, WV |
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| 1-Year Asset Growth | 5.69% | |||
| 5-Year Asset Growth | 23.78% | |||
| 5-Year Charge-Offs to Average Loans | 0.13% | |||
| Charge-Offs to Average Loans | 0.27% | |||
| Non-Performing Assets to Assets | 0.34% | |||
| Non-Performing Loans to Capital | 3.02% | |||
| Non-Performing Loans to Loans | 0.35% | |||
| Balance Sheet |
Citizens Bank of West Virginia, Inc.
Elkins, WV |
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| Total Assets | 704.63M | |||
| Total Deposits | 620.73M | |||
| Capital and Reserves |
Citizens Bank of West Virginia, Inc.
Elkins, WV |
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| Capital | 72.95M | |||
| Leverage Ratio | 10.33 | |||
| Loan Loss Reserves to Loans | 1.03% | |||
| Risk-Based Capital Ratio | 12.60 | |||
| Liquidity |
Citizens Bank of West Virginia, Inc.
Elkins, WV |
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| Hot Money Ratio | 18.43% | |||
| Liquidity Ratio | 8.88% | |||
| Profitability |
Citizens Bank of West Virginia, Inc.
Elkins, WV |
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| 5-Year Return on Average Assets | 1.35% | |||
| Net Income | 10.87M | |||
| Net Interest Spread | 4.27% | |||
| Operating Profit to Average Assets | 2.04% | |||
| Overhead Efficiency Ratio | 49.30% | |||
| Return on Assets | 1.59% | |||
| Return on Equity | 15.73% | |||