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 (4.5 on a scale of 0 to 10). A current level of 12.2 percent of nonperforming loans to core capital combined with 10.6 percent from a year earlier contributes to the Fair asset quality (4.5).
Other Rating Factors:
Excellent current capitalization (8.0 on a scale of 0 to 10) and a capital leverage ratio of 9.6. Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Weak (3.0) profitability.
Asset Mix:
Comm re (27%), securities (21%), comm loans (11%), home mtgs (11%), cash (2%), home eq lns (2%), consumer loans (2%), other (25%)
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
Somerville Bancorp
Investment Rating
--
Address
601 Hillcrest Drive
Eaton, OH 45320
Eaton, OH 45320
Phone Number
(513) 726-6471
Year Founded
1910
FDIC Number
Website
Largest Affiliates
No affiliate information available.