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 (3.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.0 has resulted in Weak (1.3) profitability.
Other Rating Factors:
A current level of 3.8 percent of nonperforming loans to core capital combined with 4.2 percent from a year earlier contributes to the Excellent asset quality (7.7). Excellent current capitalization (7.2 on a scale of 0 to 10) based on a net capital to total assets of 9.6 and a net worth ratio of 9.7.
Asset Mix:
Home mtgs (36%), consumer loans (31%), securities (9%), other (24%)
Corporate Info
1700 Robin Hood Road
Richmond, VA 23220
Richmond, VA 23220
(804) 359-8754
Largest Competitors
Richmond, VA
Richmond, VA
Richmond, VA
Richmond, VA
Richmond, VA