The Citizens National Bank of McConnelsville
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 11.9 percent of nonperforming loans to core capital combined with 6.5 percent from a year earlier contributes to the Good asset quality (5.4). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.1 has resulted in Fair (4.4) profitability.
Asset Mix:
Home mtgs (46%), securities (19%), cash (7%), comm loans (5%), comm re (5%), consumer loans (5%), home eq lns (2%), 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
CNB Holdings, Inc.
Investment Rating
--
Address
100 East Main Street
McConnelsville, OH 43756
McConnelsville, OH 43756
Phone Number
(740) 962-4565
Year Founded
1886
FDIC Number
Website
Largest Affiliates
No affiliate information available.