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 0.8%, coupled with a return on assets of 0.7 has resulted in Fair (3.1) profitability.
Other Rating Factors:
Excellent current capitalization (7.9 on a scale of 0 to 10) and a capital leverage ratio of 9.6. A current level of 5.5 percent of nonperforming loans to core capital combined with 9.2 percent from a year earlier contributes to the Good asset quality (5.9).
Asset Mix:
Home mtgs (55%), comm re (13%), cash (10%), securities (5%), home eq lns (2%), consumer loans (2%), comm loans (2%), other (11%)
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
No affiliate information available.