The Fayette County National Bank of Fayetteville
Major Rating Factors:
A current level of 0.4 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Excellent asset quality (8.4). Excellent current capitalization (7.1 on a scale of 0 to 10) and a capital leverage ratio of 9.1.
Other Rating Factors:
Fair liquidity 4.1, driven by a liquidity ratio of 16.4 percent and a “hot money” ratio of 10.9 percent. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Fair (3.9) profitability.
Asset Mix:
Securities (50%), home mtgs (32%), comm re (7%), consumer loans (2%), cash (1%), home eq lns (1%), comm loans (1%), other (6%)
States with Branches:
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
FCNB Bancorp, Inc.
Investment Rating
--
Address
101 North Court Street
Fayetteville, WV 25840
Fayetteville, WV 25840
Phone Number
(304) 574-1212
Year Founded
1900
FDIC Number
Website
Largest Affiliates
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