The Savings Bank
Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Fair (3.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.6 on a scale of 0 to 10) based on a risk-based capital ratio of 16.0 and a capital leverage ratio of 9.4. A current level of 3.5 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Good asset quality (6.6).
Asset Mix:
Home mtgs (41%), securities (16%), comm re (13%), comm loans (4%), consumer loans (2%), cash (2%), home eq lns (2%), other (20%)
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
There are no affiliate to display.