Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 24.6 and a capital leverage ratio of 11.8. A current level of 3.6 percent of nonperforming loans to core capital combined with 6.2 percent from a year earlier contributes to the Excellent asset quality (8.4).
Asset Mix:
Home mtgs (66%), securities (17%), cash (6%), home eq lns (2%), comm re (0%), other (8%)
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
3721 Oberlin Avenue
Lorain, OH 44053
Lorain, OH 44053
Phone Number
(440) 282-6188
Year Founded
1921
FDIC Number
Website
Largest Affiliates
No affiliate information available.