Major Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Fair (4.9) profitability. A current level of 8.1 percent of nonperforming loans to core capital combined with 10.6 percent from a year earlier contributes to the Fair asset quality (4.4).
Other Rating Factors:
Good current capitalization (6.5 on a scale of 0 to 10) based on a risk-based capital ratio of 12.2 and a capital leverage ratio of 8.5. 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).
Asset Mix:
Home mtgs (36%), securities (15%), comm re (13%), comm loans (12%), consumer loans (7%), cash (4%), home eq lns (1%), other (13%)
States with Branches:
IN
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
RNB Corp.
Investment Rating
--
Address
One East National Avenue
Brazil, IN 47834
Brazil, IN 47834
Phone Number
(812) 448-2611
Year Founded
1885
FDIC Number
Website
Largest Affiliates
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