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Overview / Commentary
Main Street
Lost Creek, WV 26385

The Harrison County Bank is headquartered in Lost Creek and is the 48th largest bank in the state of West Virginia. It is also the 4,680th largest bank in the nation. It was established in 1911 and as of June of 2014, it had grown to 28 employees at 5 locations. The Harrison County Bank has a A health rating.

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Health

Data for Q2 2014

Institution Health

A

Texas Ratio

GRADE:
A+

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 June 30, 2014 The Harrison County Bank had $282,000 in non-current loans and owned real-estate with $9.74 million in equity and loan loss allowances on hand to cover it. This gives The Harrison County Bank a Texas Ratio of 2.89% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for The Harrison County Bank experienced no significant changes from 2.81% as of June 30, 2013 to 2.89% as of June 30, 2014, resulting in a negative change of 3.16%. This indicates that the balance sheet and financial strength for The Harrison County Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, The Harrison County Bank has increased its total deposits by $4.93 million, resulting in 5.79% 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 Harrison County Bank has shown is excellent.

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. The Harrison County Bank has $100 million in assets with $9.74 million in equity, resulting in a capitalization level of 9.74%, which is above average.

Institution Statistics

Overall
FDIC Certificate #9030
Year Established1911
Employees28
Primary RegulatorFDIC
Assets and Liabilities
Assets$100.00 million
Loans$47.40 million
Deposits$90.03 million
Equity Capital$9.41 million
Loan Loss Allowance$331,000
Unbacked Noncurrent Loans$282,000
Real Estate Owned$0
Historic Data - June 2013
Assets$94.51 million
Equity Capital$8.98 million
Loan Loss Allowance$361,000
Unbacked Noncurrent Loans$282,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.65%
Return on Equity7.02%
Interest Income$1.72 million
Rates
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The Harrison County Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.15%$100-Saving Account
0.15%--Christmas Club Account
0.15%--Vacation Club Account

The Harrison County Bank CD Rates

DetailsAPYMINMAXPRODUCT
0.95%$100k-60 Month CD
0.80%$100k-48 Month CD
0.65%$100k-30 Month CD
0.65%$100k-36 Month CD
0.65%$100k-42 Month CD
0.55%$100k-15 Month CD
0.55%$100k-24 Month CD
0.55%$100k-27 Month CD
0.35%$100k-6 Month CD
0.35%$100k-9 Month CD
0.35%$100k-12 Month CD
Locations


The Harrison County Bank Locations
Johnson Avenue Branch1215 Johnson AvenueBridgeport, WV 26330
Buckhannon Pike Branch1506 Buckhannon PikeNutter Fort, WV 26301
Clarksburg Branch3 Armory RoadClarksburg, WV 26301
The Harrison County BankMain StreetLost Creek, WV 26385
West Milford BranchMain Street & Vesta DriveWest Milford, WV 26451