Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 12.2 percent of nonperforming loans to core capital combined with 10.5 percent from a year earlier contributes to the Fair asset quality (4.4). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Fair (3.6) profitability.
Asset Mix:
Home mtgs (33%), securities (24%), consumer loans (9%), comm re (8%), comm loans (5%), cash (2%), other (19%)
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
Racine HNB, Inc.
Investment Rating
--
Address
502 Elm Street
Racine, OH 45771
Racine, OH 45771
Phone Number
(740) 949-2210
Year Founded
1910
FDIC Number
Website
Largest Affiliates
No affiliate information available.