Major Rating Factors:
Excellent current capitalization (7.8 on a scale of 0 to 10) based on a risk-based capital ratio of 14.6 and a capital leverage ratio of 9.5. A current level of 6.5 percent of nonperforming loans to core capital combined with 2.1 percent from a year earlier contributes to the Good asset quality (6.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Good (5.6) profitability.
Asset Mix:
Comm re (26%), home mtgs (17%), cash (14%), comm loans (13%), securities (12%), home eq lns (2%), consumer loans (1%), other (16%)
States with Branches:
IN
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
Community Financial Corp.
Investment Rating
--
Address
802 East Albion Street
Avilla, IN 46710
Avilla, IN 46710
Phone Number
(260) 897-3361
Year Founded
1931
FDIC Number
Website
Largest Affiliates
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