Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.4 has resulted in Weak (2.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) and a capital leverage ratio of 10.8. A current level of 3.8 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Good asset quality (6.6).
Asset Mix:
Home mtgs (48%), securities (16%), consumer loans (10%), cash (7%), comm loans (6%), comm re (4%), home eq lns (2%), other (7%)
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
135 South Market Street
Galion, OH 44833
Galion, OH 44833
Phone Number
(419) 468-3113
Year Founded
1884
FDIC Number
Website
Largest Affiliates
No affiliate information available.