Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.0 has resulted in Fair (3.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.5 on a scale of 0 to 10) and a capital leverage ratio of 9.3. A current level of 5.9 percent of nonperforming loans to core capital combined with 12.0 percent from a year earlier contributes to the Good asset quality (5.6).
Asset Mix:
Home mtgs (58%), comm re (8%), home eq lns (7%), cash (3%), securities (3%), comm loans (2%), consumer loans (0%), other (19%)
States with Branches:
IN
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
American Midwest Financial Corporation
Investment Rating
--
Address
301 East Ninth Street
Rochester, IN 46975
Rochester, IN 46975
Phone Number
(574) 223-2128
Year Founded
1966
FDIC Number
Largest Affiliates
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