Major Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) based on a risk-based capital ratio of 13.5 and a capital leverage ratio of 10.0. A current level of 4.8 percent of nonperforming loans to core capital contributes to the Good asset quality (5.9).
Other Rating Factors:
Fair liquidity 3.4, driven by a liquidity ratio of 20.6 percent and a “hot money” ratio of 17.9 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.3 on a scale of 0 to 10).
Asset Mix:
Comm re (26%), securities (22%), home mtgs (15%), home eq lns (10%), cash (5%), comm loans (4%), consumer loans (1%), other (17%)
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
Third Century Bancorp
Investment Rating
Address
80 East Jefferson Street
Franklin, IN 46131
Franklin, IN 46131
Phone Number
(317) 736-7151
Year Founded
1890
FDIC Number
Website
Largest Affiliates
No affiliate information available.