The First National Bank of McConnelsville
Major Rating Factors:
Good current capitalization (6.6 on a scale of 0 to 10) based on a risk-based capital ratio of 21.2 and a capital leverage ratio of 8.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Good (5.5) profitability. A current level of 5.3 percent of nonperforming loans to core capital combined with 4.3 percent from a year earlier contributes to the Good asset quality (5.4).
Asset Mix:
Home mtgs (39%), securities (27%), cash (9%), comm re (6%), consumer loans (3%), comm loans (3%), home eq lns (1%), 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
FNB Shares, Inc.
Investment Rating
--
Address
86 North Kennebec Avenue
McConnelsville, OH 43756
McConnelsville, OH 43756
Phone Number
(740) 962-3911
Year Founded
1863
FDIC Number
Website
Largest Affiliates
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