Major Rating Factors:
Operating profits as a percentage of assets at 3.8%, coupled with a return on assets of 3.8 has resulted in Excellent (9.8) profitability. A current level of 0.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.7).
Other Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) based on a risk-based capital ratio of 31.1 and a capital leverage ratio of 10.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Asset Mix:
Cash (47%), securities (21%), comm re (13%), comm loans (5%), home eq lns (1%), home mtgs (1%), consumer loans (0%), other (13%)
States with Branches:
OH
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
Sutton Bancshares, Inc.
Investment Rating
--
Address
One South Main Street
Attica, OH 44807
Attica, OH 44807
Phone Number
(419) 426-3641
Year Founded
1878
FDIC Number
Website
Largest Affiliates
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