Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Weak (2.9) profitability.
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.2). Excellent current capitalization (7.6 on a scale of 0 to 10) based on a risk-based capital ratio of 20.1 and a capital leverage ratio of 9.4.
Asset Mix:
Home mtgs (34%), securities (18%), cash (18%), comm loans (4%), consumer loans (3%), home eq lns (2%), comm re (0%), other (20%)
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
Community First Bancshares, Inc.
Investment Rating
--
Address
118 East Lima Street
Forest, OH 45843
Forest, OH 45843
Phone Number
(419) 273-2595
Year Founded
1904
FDIC Number
Website
Largest Affiliates
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