Calhoun County Bank, Inc.
Major Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) and a capital leverage ratio of 10.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 6.7 percent of nonperforming loans to core capital combined with 6.4 percent from a year earlier contributes to the Good asset quality (5.2). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.8) profitability.
Asset Mix:
Home mtgs (44%), securities (22%), consumer loans (10%), cash (8%), comm re (7%), comm loans (3%), home eq lns (1%), other (4%)
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
Calhoun Bankshares, Inc.
Investment Rating
--
Address
443 High Street
Grantsville, WV 26147
Grantsville, WV 26147
Phone Number
(304) 354-6106
Year Founded
1901
FDIC Number
Website
Largest Affiliates
No affiliate information available.