Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.3 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.5 has resulted in Good (6.7) profitability. A current level of 13.7 percent of nonperforming loans to core capital combined with 17.3 percent from a year earlier contributes to the Fair asset quality (4.9).
Asset Mix:
Home mtgs (43%), securities (30%), cash (8%), comm re (5%), consumer loans (4%), comm loans (4%), other (5%)
States with Branches:
OH
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
FarmMerc, Inc.
Investment Rating
--
Address
430 North Street
Caldwell, OH 43724
Caldwell, OH 43724
Phone Number
(740) 732-5675
Year Founded
1912
FDIC Number
Largest Affiliates
There are no affiliate to display.