Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Fair (4.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 17.1. A current level of 5.0 percent of nonperforming loans to core capital combined with 6.2 percent from a year earlier contributes to the Good asset quality (6.2).
Asset Mix:
Home mtgs (29%), comm re (19%), comm loans (10%), securities (8%), cash (8%), home eq lns (4%), consumer loans (2%), other (20%)
States with Branches:
KY, 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
116 East Franklin Street
Kenton, OH 43326
Kenton, OH 43326
Phone Number
(419) 673-1117
Year Founded
1888
FDIC Number
Website
Largest Affiliates
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