Major Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) based on a risk-based capital ratio of 12.7 and a capital leverage ratio of 9.3. A current level of 5.2 percent of nonperforming loans to core capital combined with 8.6 percent from a year earlier contributes to the Good asset quality (6.8).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (5.8) profitability.
Asset Mix:
Securities (23%), home mtgs (13%), comm re (8%), comm loans (5%), home eq lns (4%), cash (2%), 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
No affiliate information available.