Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 16.6. A current level of 1.8 percent of nonperforming loans to core capital combined with 2.8 percent from a year earlier contributes to the Excellent asset quality (9.0).
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). Fair liquidity 4.2, driven by a liquidity ratio of 50.2 percent and a “hot money” ratio of 31.9 percent.
Asset Mix:
Securities (40%), home mtgs (23%), comm re (12%), consumer loans (4%), comm loans (3%), cash (3%), home eq lns (1%), other (15%)
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
10490 New Haven Road
Harrison, OH 45030
Harrison, OH 45030
Phone Number
(513) 367-2015
Year Founded
1916
FDIC Number
Website
Largest Affiliates
No affiliate information available.