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 (4.3 on a scale of 0 to 10). A current level of 9.5 percent of nonperforming loans to core capital contributes to the Good asset quality (5.6).
Other Rating Factors:
Operating profits as a percentage of assets at 2.6%, coupled with a return on assets of 3.1 has resulted in Excellent (10.0) profitability. Excellent current capitalization (7.7 on a scale of 0 to 10) based on a net capital to total assets of 10.0 and a net worth ratio of 10.0.
Asset Mix:
Consumer loans (13%), other (87%)
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
Address
Hilltop Baptist Center, 258 Baptist Road
Hilltop, WV 25855
Hilltop, WV 25855
Phone Number
(304) 469-3333
NCUA Charter Number
Largest Competitors
New Martinsville, WV
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