The First National Bank of Williamson
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 (4.8 on a scale of 0 to 10). A current level of 10.1 percent of nonperforming loans to core capital combined with 20.9 percent from a year earlier contributes to the Fair asset quality (4.7).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 39.2 and a capital leverage ratio of 19.9. Weak liquidity 2.0, driven by a liquidity ratio of 34.9 percent and a “hot money” ratio of 35.2 percent.
Asset Mix:
Home mtgs (28%), securities (18%), cash (17%), comm re (17%), comm loans (8%), consumer loans (5%), home eq lns (2%), other (6%)
States with Branches:
KY, 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
Investment Rating
--
Address
68 East Second Avenue
Williamson, WV 25661
Williamson, WV 25661
Phone Number
(304) 235-5300
Year Founded
1903
FDIC Number
Website
Largest Affiliates
No affiliate information available.