Major Rating Factors:
Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.2 has resulted in Weak (1.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.5 on a scale of 0 to 10).
Other Rating Factors:
Very Weak liquidity 0.6, driven by a liquidity ratio of 21.9 percent and a “hot money” ratio of 10.5 percent. A current level of 14.5 percent of nonperforming loans to core capital combined with 13.1 percent from a year earlier contributes to the Fair asset quality (4.2).
Asset Mix:
Securities (41%), home mtgs (20%), comm re (15%), cash (4%), comm loans (3%), consumer loans (1%), other (16%)
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
Central Ohio Bancorp
Investment Rating
--
Address
107 North Market Street
Waverly, OH 45690
Waverly, OH 45690
Phone Number
(740) 947-2136
Year Founded
1901
FDIC Number
Website
Largest Affiliates
No affiliate information available.