The First National Bank of McConnelsville
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10). Good current capitalization (6.1 on a scale of 0 to 10) based on a risk-based capital ratio of 20.1 and a capital leverage ratio of 8.1.
Other Rating Factors:
A current level of 5.1 percent of nonperforming loans to core capital combined with 2.3 percent from a year earlier contributes to the Good asset quality (5.7). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Fair (4.6) profitability.
Asset Mix:
Home mtgs (36%), securities (25%), cash (14%), comm re (6%), comm loans (3%), consumer loans (3%), home eq lns (1%), other (11%)
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
No affiliate information available.