Major Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) based on a risk-based capital ratio of 13.4 and a capital leverage ratio of 9.9. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.1 has resulted in Excellent (7.8) profitability.
Other Rating Factors:
A current level of 3.1 percent of nonperforming loans to core capital combined with 8.9 percent from a year earlier contributes to the Excellent asset quality (7.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Securities (21%), home mtgs (15%), comm re (8%), home eq lns (5%), comm loans (4%), cash (3%), consumer loans (0%), other (44%)
States with Branches:
IN, 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
First Berne Financial Corporation
Investment Rating
--
Address
222 Heritage Trail
Berne, IN 46711
Berne, IN 46711
Phone Number
(260) 589-2151
Year Founded
1891
FDIC Number
Website
Largest Affiliates
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