Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Fair (4.2) profitability. A current level of 9.1 percent of nonperforming loans to core capital combined with 12.4 percent from a year earlier contributes to the Good asset quality (5.1).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.8 on a scale of 0 to 10).
Asset Mix:
Comm re (26%), home mtgs (16%), securities (15%), cash (5%), comm loans (4%), consumer loans (1%), other (32%)
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
Investment Rating
--
Address
210 Randolph Street
Hamler, OH 43524
Hamler, OH 43524
Phone Number
(419) 274-3955
Year Founded
1921
FDIC Number
Website
Largest Affiliates
No affiliate information available.