Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.4 has resulted in Weak (1.1) 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 (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.0. A current level of 2.3 percent of nonperforming loans to core capital combined with 3.0 percent from a year earlier contributes to the Good asset quality (6.6).
Asset Mix:
Home mtgs (50%), securities (16%), consumer loans (9%), cash (7%), comm loans (5%), 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) 462-4114
Year Founded
1884
FDIC Number
Website
Largest Affiliates
No affiliate information available.