Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Fair (3.0) profitability. A current level of 7.1 percent of nonperforming loans to core capital combined with 5.3 percent from a year earlier contributes to the Good asset quality (5.7).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 17.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.4 on a scale of 0 to 10).
Asset Mix:
Home mtgs (27%), comm re (20%), comm loans (11%), securities (8%), cash (7%), 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
No affiliate information available.