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 (3.7 on a scale of 0 to 10). A current level of 6.6 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Good asset quality (6.5).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.1. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.5 has resulted in Excellent (7.6) profitability.
Asset Mix:
Home mtgs (27%), securities (16%), comm re (8%), cash (7%), comm loans (6%), home eq lns (5%), consumer loans (4%), other (27%)
States with Branches:
IN
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
Group Affiliation
Napoleon Bancorp
Investment Rating
--
Address
8912 North US Highway 421
Napoleon, IN 47034
Napoleon, IN 47034
Phone Number
(812) 852-4002
Year Founded
1903
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.