Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (9.3). Excellent current capitalization (9.0 on a scale of 0 to 10) and a capital leverage ratio of 10.3.
Asset Mix:
Home mtgs (26%), securities (24%), comm re (11%), comm loans (6%), cash (3%), consumer loans (2%), home eq lns (1%), other (27%)
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
West-Central Bancorp, Inc.
Investment Rating
--
Address
216 Market Street
Spencer, WV 25276
Spencer, WV 25276
Phone Number
(304) 927-1750
Year Founded
1912
FDIC Number
Largest Affiliates
No affiliate information available.