Major Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) based on a risk-based capital ratio of 20.2 and a capital leverage ratio of 10.3. A current level of 2.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.6).
Other Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.2 has resulted in Good (5.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Asset Mix:
Securities (41%), home mtgs (17%), comm re (9%), comm loans (5%), cash (4%), home eq lns (2%), consumer loans (1%), other (21%)
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
Peoples Holding Company, Inc.
Investment Rating
--
Address
112-114 West Main Street
Coldwater, OH 45828
Coldwater, OH 45828
Phone Number
(419) 678-2385
Year Founded
1905
FDIC Number
Website
Largest Affiliates
No affiliate information available.