The National Bank of Adams County of West Union
Major Rating Factors:
Excellent current capitalization (9.5 on a scale of 0 to 10) and a capital leverage ratio of 10.6. Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 2.3 has resulted in Excellent (8.8) profitability.
Other Rating Factors:
A current level of 5.8 percent of nonperforming loans to core capital combined with 12.6 percent from a year earlier contributes to the Good asset quality (5.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10).
Asset Mix:
Securities (34%), home mtgs (23%), cash (13%), comm re (5%), consumer loans (3%), comm loans (2%), other (20%)
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
218 North Market Street
West Union, OH 45693
West Union, OH 45693
Phone Number
(937) 544-2361
Year Founded
1928
FDIC Number
Website
Largest Affiliates
No affiliate information available.