The First National Bank of Peterstown
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 28.4 and a capital leverage ratio of 12.8. A current level of 2.8 percent of nonperforming loans to core capital combined with 5.2 percent from a year earlier contributes to the Excellent asset quality (8.8).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.1 has resulted in Fair (4.5) profitability.
Asset Mix:
Securities (29%), home mtgs (27%), cash (14%), comm re (5%), comm loans (3%), consumer loans (3%), home eq lns (2%), other (18%)
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
Peterstown Bancorp, Inc.
Investment Rating
--
Address
380 Market Street
Peterstown, WV 24963
Peterstown, WV 24963
Phone Number
(304) 753-4321
Year Founded
1910
FDIC Number
Website
Largest Affiliates
No affiliate information available.