Major Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 79.3 and a capital leverage ratio of 44.2. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors: Operating profits as a percentage of assets at 746.9%, coupled with a return on assets of 590.0 has resulted in Excellent (10.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.3 on a scale of 0 to 10).
Asset Mix: Cash (60%), comm loans (1%), consumer loans (0%), other (39%)
States with Branches: OH