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Overview / Commentary
372 Main Street
Grantsville, WV 26147

Calhoun County Bank, Inc. is headquartered in Grantsville and is the 42nd largest bank in the state of West Virginia. It is also the 4,132nd largest bank in the nation. It was established in 1900 and as of March of 2014, it had grown to 44 employees at 4 locations. Calhoun County Bank, Inc. has a B+ health rating.

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Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
B+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Calhoun County Bank, Inc. had $1.59 million in non-current loans and owned real-estate with $12.68 million in equity and loan loss allowances on hand to cover it. This gives Calhoun County Bank, Inc. a Texas Ratio of 12.57% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Calhoun County Bank, Inc. decreased slightly from 17.01% as of March 31, 2013 to 12.57% as of March 31, 2014, resulting in a positive change of 26.12%.This indicates that the balance sheet and financial strength for Calhoun County Bank, Inc. has improved slightly in recent periods.

Deposit Growth

GRADE:
B

In the past year, Calhoun County Bank, Inc. has increased its total deposits by $625,000, resulting in 0.55% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Calhoun County Bank, Inc. has shown is above average.

Capitalization

GRADE:
B

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Calhoun County Bank, Inc. has $126.98 million in assets with $12.68 million in equity, resulting in a capitalization level of 9.99%, which is above average.

Institution Statistics

Overall
FDIC Certificate #9024
Year Established1900
Employees44
Primary RegulatorFDIC
Assets and Liabilities
Assets$126.98 million
Loans$90.38 million
Deposits$114.21 million
Equity Capital$11.51 million
Loan Loss Allowance$1.17 million
Unbacked Noncurrent Loans$1.06 million
Real Estate Owned$535,000
Historic Data - March 2013
Assets$126.60 million
Equity Capital$11.09 million
Loan Loss Allowance$1.23 million
Unbacked Noncurrent Loans$1.06 million
Real Estate Owned$709,000
Profit Margin - Quarterly
Net Interest Margin4.33%
Return on Assets0.56%
Return on Equity6.24%
Interest Income$1.45 million
Rates

Sorry, we do not have rate data for Calhoun County Bank, Inc.

Locations


Calhoun County Bank, Inc. Locations
Calhoun County Bank, Inc.372 Main StreetGrantsville, WV 26147
Glenville Branch904 North Lewis StGlenville, WV 26351
Elizabeth BranchRoute 14, Pike StreetElizabeth, WV 26143
Arnoldsburg BranchRoute 33 WestArnoldsburg, WV 25234