Huron Community Bank
Major Rating Factors:
A current level of 12.9 percent of nonperforming loans to core capital combined with 7.0 percent from a year earlier contributes to the Fair asset quality (4.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.5 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.3 on a scale of 0 to 10) based on a risk-based capital ratio of 14.9 and a capital leverage ratio of 9.2. Fair liquidity 3.4, driven by a liquidity ratio of 26.0 percent and a “hot money” ratio of 14.8 percent.
Asset Mix:
Securities (30%), comm re (22%), home mtgs (11%), cash (10%), comm loans (8%), home eq lns (2%), consumer loans (2%), other (15%)
States with Branches:
MI
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
Huron Community Financial Services, Inc.
Investment Rating
--
Address
301 Newman Street
East Tawas, MI 48730
East Tawas, MI 48730
Phone Number
(989) 362-6700
Year Founded
1927
FDIC Number
Website
Largest Affiliates
No affiliate information available.