Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.4 has resulted in Excellent (7.0) profitability.
Other Rating Factors:
A current level of 4.3 percent of nonperforming loans to core capital combined with 3.2 percent from a year earlier contributes to the Good asset quality (6.6). Good current capitalization (5.7 on a scale of 0 to 10) based on a risk-based capital ratio of 16.8 and a capital leverage ratio of 7.7.
Asset Mix:
Securities (19%), cash (11%), home mtgs (8%), consumer loans (7%), comm loans (6%), comm re (1%), other (47%)
States with Branches:
AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI
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
JPMorgan Chase & Co.
Investment Rating
Address
270 Park Avenue
New York, NY 10017
New York, NY 10017
Phone Number
(614) 217-6284
Year Founded
1824
FDIC Number
Website
Largest Affiliates
Dearborn, MI
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Bank