Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Fair (3.2) profitability.
Other Rating Factors:
Very Weak liquidity 0.7, driven by a liquidity ratio of 33.1 percent and a “hot money” ratio of 18.6 percent. Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 26.0.
Asset Mix:
Home mtgs (71%), cash (22%), consumer loans (2%), securities (2%), other (4%)
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
114 South Main Street
Cadiz, OH 43907
Cadiz, OH 43907
Phone Number
(740) 942-2092
Year Founded
1873
FDIC Number
Website
Largest Affiliates
No affiliate information available.