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 (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.2 has resulted in Good (5.4) profitability.
Other Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) based on a risk-based capital ratio of 14.1 and a capital leverage ratio of 10.5. A current level of 1.1 percent of nonperforming loans to core capital combined with 2.1 percent from a year earlier contributes to the Good asset quality (6.8).
Asset Mix:
Securities (13%), home mtgs (12%), comm re (11%), comm loans (7%), cash (2%), consumer loans (0%), other (55%)
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
New Richmond Bancorporation
Investment Rating
--
Address
553 Chamber Drive
Milford, OH 45150
Milford, OH 45150
Phone Number
(513) 553-6700
Year Founded
1904
FDIC Number
Website
Largest Affiliates
No affiliate information available.