A
FDS Bank
Mason, OH
Data as of
June 30, 2021
Risk Based
Capital Ratio
81.25
Leverage
Ratio
48.39
Return On
Assets
485.66%
Total
Assets
111.78M
Capital
42.08M
Total
Deposits
15.00M
Net
Income
278.65M
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Major Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 81.3 and a capital leverage ratio of 48.4. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors: Operating profits as a percentage of assets at 614.8%, coupled with a return on assets of 485.7 has resulted in Excellent (9.5) profitability. Excellent liquidity 8.7, driven by a liquidity ratio of 113.8 percent and a “hot money” ratio of 0.0 percent.
Asset Mix: Cash (54%), securities (16%), comm loans (1%), consumer loans (0%), other (29%)
States with Branches: OH
Asset Quality
Non-Performing Loans to Capital
0.04%
Non-Performing Assets to Assets
0.00%
Non-Performing Loans to Loans
0.00%
Loan Loss Reserves to Loans
2.60%
Charge-Offs to Average Loans
1.87%
5-Year Charge-Offs to Average Loans
1.15%
5-Year Asset Growth
-4.86%
1-Year Asset Growth
-22.97%
Profitability
Operating Profit to Average Assets
614.76%
Return on Equity
1,324.29%
Net Interest Spread
0.16%
5-Year ROAA (Return on Average Assets)
401.09%
Overhead Efficiency Ratio
14.11%
Liquidity
Liquidity Ratio
113.77%
Hot Money
0.00%
Corporate Info
Group Affiliation
Macy's Inc.
Investment Rating
Address
9111 Duke Boulevard
Mason, OH 45040
Phone Number
(513) 573-2265
Year Founded
1993
FDIC Number
Largest Affiliates
No affiliate information available.
Weiss Ratings