Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (4.9) profitability. 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).
Other Rating Factors:
A current level of 0.4 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (8.8). Excellent current capitalization (8.1 on a scale of 0 to 10) based on a risk-based capital ratio of 17.6 and a capital leverage ratio of 9.7.
Asset Mix:
Home mtgs (59%), securities (10%), comm re (6%), consumer loans (4%), cash (3%), home eq lns (2%), comm loans (2%), other (14%)
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
LNB Community Bancorp
Investment Rating
--
Address
215 Main Street
Lynnville, IN 47619
Lynnville, IN 47619
Phone Number
(812) 922-3231
Year Founded
1907
FDIC Number
Website
Largest Affiliates
No affiliate information available.