The Fayette County National Bank of Fayetteville

The Fayette County National Bank of Fayetteville is headquartered in Fayetteville and is the 52^nd largest bank in the state of West Virginia. It is also the 5,205^th largest bank in the nation. It was established in 1900 and as of March of 2012, it had grown to 36 employees at 4 locations. The Fayette County National Bank of Fayetteville has a 5-star health rating.

Data for Q1 2012

Institution Statistics The Fayette County National Bank of Fayetteville FDIC Certificate # 6762 BankRate Report View Year Established 1900 Employees 36 Primary Regulator OCC Assets and Liabilities Assets $90.50 million Loans $51.71 million Deposits $79.78 million Equity Capital $10.20 million Loan Loss Allowance $696,000 Unbacked Noncurrent Loans $466,000 Real Estate Owned $224,000 Historic Data - March 2011 Assets $82.32 million Equity Capital $9.11 million Loan Loss Allowance $624,000 Unbacked Noncurrent Loans $517,000 Profit Margin - Quarterly Net Interest Margin 4.39% Return on Assets 1.07% Return on Equity 9.38% Interest Income $1.04 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 The Fayette County National Bank of Fayetteville had $690,000 in non-current loans and owned real-estate with $10.9 million in equity and loan loss allowances on hand to cover it. This gives The Fayette County National Bank of Fayetteville a Texas Ratio of 6.33% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Fayette County National Bank of Fayetteville held steady from 5.31% as of March 31, 2011 to 6.33% as of March 31, 2012, resulting in a negative change of 19.14%. This indicates that the balance sheet and financial strength for The Fayette County National Bank of Fayetteville has held steady in recent periods. Deposit Growth In the past year, The Fayette County National Bank of Fayetteville has increased its total deposits by $8.68 million, resulting in 12.21% 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 The Fayette County National Bank of Fayetteville has shown is excellent. Capitalization 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. The Fayette County National Bank of Fayetteville has $90.5 million in assets with $10.9 million in equity, resulting in a capitalization level of 12.04%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.