| Weiss Ratings |
Citizens Bank of West Virginia, Inc.
Elkins, WV |
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| Rating | ||||
| Asset Quality Index | 4.50 | |||
| Capitalization Index | 8.50 | |||
| Liquidity Index | 1.00 | |||
| Profitability Index | 8.60 | |||
| 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 | 13.19% | |||
| 5-Year Asset Growth | 23.78% | |||
| 5-Year Charge-Offs to Average Loans | 0.14% | |||
| Charge-Offs to Average Loans | 0.39% | |||
| Non-Performing Assets to Assets | 0.49% | |||
| Non-Performing Loans to Capital | 4.27% | |||
| Non-Performing Loans to Loans | 0.58% | |||
| Balance Sheet |
Citizens Bank of West Virginia, Inc.
Elkins, WV |
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| Total Assets | 772.47M | |||
| Total Deposits | 678.67M | |||
| Capital and Reserves |
Citizens Bank of West Virginia, Inc.
Elkins, WV |
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| Capital | 78.98M | |||
| Leverage Ratio | 10.00 | |||
| Loan Loss Reserves to Loans | 1.03% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Citizens Bank of West Virginia, Inc.
Elkins, WV |
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| Hot Money Ratio | 18.48% | |||
| Liquidity Ratio | 9.14% | |||
| Profitability |
Citizens Bank of West Virginia, Inc.
Elkins, WV |
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| 5-Year Return on Average Assets | 1.38% | |||
| Net Income | 7.32M | |||
| Net Interest Spread | 4.47% | |||
| Operating Profit to Average Assets | 2.41% | |||
| Overhead Efficiency Ratio | 47.17% | |||
| Return on Assets | 1.98% | |||
| Return on Equity | 19.26% | |||