The Savings Bank
Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Weak (2.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) based on a risk-based capital ratio of 16.5 and a capital leverage ratio of 9.3. A current level of 1.8 percent of nonperforming loans to core capital combined with 2.3 percent from a year earlier contributes to the Excellent asset quality (7.0).
Asset Mix:
Home mtgs (38%), securities (22%), comm re (12%), comm loans (5%), consumer loans (3%), cash (2%), home eq lns (2%), other (18%)
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
Savings Bancorp, Inc.
Investment Rating
--
Address
201 N. Court Street
Circleville, OH 43113
Circleville, OH 43113
Phone Number
(740) 474-3191
Year Founded
1912
FDIC Number
Largest Affiliates
No affiliate information available.