Major Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a risk-based capital ratio of 14.2 and a capital leverage ratio of 10.2. A current level of 3.0 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Excellent asset quality (8.1).
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 (7.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.2 has resulted in Good (5.4) profitability.
Asset Mix:
Comm re (30%), securities (21%), home mtgs (15%), comm loans (5%), cash (2%), home eq lns (2%), consumer loans (0%), other (25%)
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
Richwood Bancshares, Inc.
Investment Rating
--
Address
28 North Franklin Street
Richwood, OH 43344
Richwood, OH 43344
Phone Number
(740) 943-2317
Year Founded
1867
FDIC Number
Website
Largest Affiliates
No affiliate information available.