Major Rating Factors:
A current level of 18.0 percent of nonperforming loans to core capital combined with 15.3 percent from a year earlier contributes to the Weak asset quality (2.5). Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 1.9 has resulted in Excellent (7.9) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 16.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.5 on a scale of 0 to 10).
Asset Mix:
Comm re (60%), securities (12%), home mtgs (4%), cash (3%), home eq lns (2%), comm loans (1%), consumer loans (0%), other (18%)
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
127 North Main Street
Marion, OH 43302
Marion, OH 43302
Phone Number
(740) 382-8231
Year Founded
1865
FDIC Number
Website
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