The First Central National Bank of Saint Paris
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 30.4 and a capital leverage ratio of 19.7. A current level of 2.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.9 has resulted in Fair (4.0) profitability.
Asset Mix:
Securities (18%), home mtgs (17%), cash (11%), comm re (9%), comm loans (3%), consumer loans (2%), other (41%)
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
Central Bancshares, Inc.
Investment Rating
--
Address
103 South Springfield Street
Saint Paris, OH 43072
Saint Paris, OH 43072
Phone Number
(937) 663-4186
Year Founded
1880
FDIC Number
Website
Largest Affiliates
No affiliate information available.