Major Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.3 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 an Excellent overall stability index (7.8 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) based on a risk-based capital ratio of 14.3 and a capital leverage ratio of 10.9. A current level of 1.4 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Excellent asset quality (7.9).
Asset Mix:
Home mtgs (20%), comm re (16%), securities (10%), comm loans (7%), home eq lns (4%), cash (3%), consumer loans (2%), other (38%)
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
SVB & T Corporation
Investment Rating
Address
1500 Main Street
Jasper, IN 47546
Jasper, IN 47546
Phone Number
(812) 634-1010
Year Founded
1902
FDIC Number
Website
Largest Affiliates
No affiliate information available.