Major Rating Factors:
A current level of 19.3 percent of nonperforming loans to core capital combined with 5.9 percent from a year earlier contributes to the Fair asset quality (3.6). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Very Weak (0.8) profitability.
Other Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) based on a risk-based capital ratio of 15.4 and a capital leverage ratio of 10.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Asset Mix:
Home mtgs (49%), comm re (18%), home eq lns (11%), cash (2%), securities (1%), other (19%)
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
225 Reading Road
Mason, OH 45040
Mason, OH 45040
Phone Number
(513) 398-1040
Year Founded
1909
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.