Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (3.6) profitability.
Other Rating Factors:
Good current capitalization (7.0 on a scale of 0 to 10) and a capital leverage ratio of 9.0. A current level of 8.1 percent of nonperforming loans to core capital combined with 5.0 percent from a year earlier contributes to the Good asset quality (5.4).
Asset Mix:
Home mtgs (57%), comm re (13%), cash (11%), securities (4%), home eq lns (2%), consumer loans (2%), comm loans (1%), other (10%)
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
10 Monument Square
Urbana, OH 43078
Urbana, OH 43078
Phone Number
(937) 653-1600
Year Founded
1892
FDIC Number
Largest Affiliates
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