Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 15.1. A current level of 2.0 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (8.2).
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 (8.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Fair (4.6) profitability.
Asset Mix:
Securities (34%), comm loans (18%), home mtgs (12%), consumer loans (6%), home eq lns (4%), comm re (3%), cash (2%), other (21%)
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
Benton Financial Corporation
Investment Rating
--
Address
300 East Fifth Street
Fowler, IN 47944
Fowler, IN 47944
Phone Number
(765) 884-1200
Year Founded
1931
FDIC Number
Website
Largest Affiliates
No affiliate information available.