Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 16.8. A current level of 2.8 percent of nonperforming loans to core capital combined with 3.8 percent from a year earlier contributes to the Excellent asset quality (8.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.9 on a scale of 0 to 10). Fair liquidity 4.3, driven by a liquidity ratio of 51.4 percent and a “hot money” ratio of 27.2 percent.
Asset Mix:
Securities (38%), home mtgs (21%), comm re (20%), cash (2%), home eq lns (2%), comm loans (0%), consumer loans (0%), other (17%)
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
Investment Rating
--
Address
230 Lincoln Street
Porter, IN 46304
Porter, IN 46304
Phone Number
(219) 926-2136
Year Founded
1920
FDIC Number
Website
Largest Affiliates
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