Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 15.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 5.1 percent of nonperforming loans to core capital combined with 4.5 percent from a year earlier contributes to the Excellent asset quality (7.1). Weak liquidity 2.6, driven by a liquidity ratio of 21.4 percent and a “hot money” ratio of 23.2 percent.
Asset Mix:
Home mtgs (35%), securities (26%), comm re (13%), comm loans (5%), consumer loans (4%), cash (3%), home eq lns (3%), other (11%)
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
No affiliate information available.