Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.4 has resulted in Weak (2.2) profitability. A current level of 7.1 percent of nonperforming loans to core capital combined with 7.9 percent from a year earlier contributes to the Good asset quality (6.6).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10).
Asset Mix:
Home mtgs (35%), securities (22%), comm re (11%), cash (10%), comm loans (5%), home eq lns (4%), consumer loans (3%), other (10%)
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
3301 Guernsey Street
Bellaire, OH 43906
Bellaire, OH 43906
Phone Number
(740) 676-1165
Year Founded
1885
FDIC Number
Website
Largest Affiliates
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