The Fayette County National Bank of Fayetteville
Major Rating Factors:
A current level of 4.8 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (8.1). Excellent current capitalization (7.4 on a scale of 0 to 10) based on a risk-based capital ratio of 22.5 and a capital leverage ratio of 9.2.
Other Rating Factors:
Fair liquidity 4.2, driven by a liquidity ratio of 16.7 percent and a “hot money” ratio of 10.9 percent. Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Fair (3.2) profitability.
Asset Mix:
Securities (51%), home mtgs (33%), comm re (6%), consumer loans (2%), cash (1%), home eq lns (1%), comm loans (1%), other (5%)
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
No affiliate information available.