Major Rating Factors:
A current level of 0.5 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (9.7). Excellent current capitalization (9.2 on a scale of 0 to 10) based on a risk-based capital ratio of 33.2 and a capital leverage ratio of 10.4.
Other Rating Factors:
Operating profits as a percentage of assets at 3.9%, coupled with a return on assets of 3.9 has resulted in Excellent (9.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Asset Mix:
Cash (47%), securities (21%), comm re (11%), comm loans (6%), home mtgs (1%), home eq lns (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
FDIC Number
Website
Largest Affiliates
No affiliate information available.