Major Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.1 and a capital leverage ratio of 10.3. A current level of 0.8 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (7.3).
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 (5.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.0 has resulted in Good (5.4) profitability.
Asset Mix:
Comm re (23%), home mtgs (18%), cash (17%), comm loans (15%), securities (6%), home eq lns (2%), consumer loans (1%), other (18%)
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
No affiliate information available.