Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Fair (3.4) profitability.
Other Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) based on a risk-based capital ratio of 14.9 and a capital leverage ratio of 9.3. A current level of 10.2 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Good asset quality (5.3).
Asset Mix:
Home mtgs (23%), securities (19%), home eq lns (12%), comm re (9%), comm loans (7%), cash (4%), consumer loans (1%), other (25%)
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
Metamora Bancorp, Inc.
Investment Rating
--
Address
120 East Main Street
Metamora, OH 43540
Metamora, OH 43540
Phone Number
(419) 885-1996
Year Founded
1944
FDIC Number
Website
Largest Affiliates
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