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 (4.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Fair (3.1) profitability.
Other Rating Factors:
A current level of 1.8 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Excellent asset quality (7.6). Excellent current capitalization (7.4 on a scale of 0 to 10) based on a risk-based capital ratio of 14.7 and a capital leverage ratio of 9.2.
Asset Mix:
Home mtgs (38%), comm re (15%), securities (10%), home eq lns (8%), comm loans (3%), cash (2%), consumer loans (1%), other (23%)
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
Investment Rating
--
Address
1000 East Main Street
Lebanon, OH 45036
Lebanon, OH 45036
Phone Number
(513) 932-3221
Year Founded
1907
FDIC Number
Website
Largest Affiliates
No affiliate information available.