Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (4.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 21.8. A current level of 1.7 percent of nonperforming loans to core capital combined with 3.6 percent from a year earlier contributes to the Excellent asset quality (8.7).
Asset Mix:
Home mtgs (39%), cash (20%), comm re (16%), home eq lns (8%), comm loans (5%), securities (4%), consumer loans (0%), other (8%)
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
8008 Ferry Street
Miamitown, OH 45041
Miamitown, OH 45041
Phone Number
(513) 353-1339
Year Founded
1909
FDIC Number
Website
Largest Affiliates
No affiliate information available.