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 (4.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Weak (2.9) profitability.
Other Rating Factors:
A current level of 2.1 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (7.9). Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 13.7 and a capital leverage ratio of 8.8.
Asset Mix:
Home mtgs (24%), securities (20%), comm re (8%), comm loans (7%), cash (2%), consumer loans (1%), home eq lns (1%), other (36%)
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
Kingston Bancshares, Inc.
Investment Rating
--
Address
Two North Main Street
Kingston, OH 45644
Kingston, OH 45644
Phone Number
(740) 642-2191
Year Founded
1909
FDIC Number
Largest Affiliates
No affiliate information available.