The Fort Jennings State Bank
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 (5.0 on a scale of 0 to 10). A current level of 3.3 percent of nonperforming loans to core capital combined with 4.3 percent from a year earlier contributes to the Excellent asset quality (7.4).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.7. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.5 has resulted in Excellent (7.5) profitability.
Asset Mix:
Home mtgs (25%), comm re (17%), comm loans (13%), securities (8%), home eq lns (4%), consumer loans (3%), cash (3%), other (28%)
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
FJSB Bancshares, Inc.
Investment Rating
--
Address
120 North Water Street
Fort Jennings, OH 45844
Fort Jennings, OH 45844
Phone Number
(419) 286-2527
Year Founded
1918
FDIC Number
Website
Largest Affiliates
No affiliate information available.