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 (3.7 on a scale of 0 to 10). A current level of 0.5 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Good asset quality (5.5).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 33.5. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.8 has resulted in Excellent (9.2) profitability.
Asset Mix:
Consumer loans (79%), securities (14%), cash (1%), other (7%)
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
Tonti Financial Corporation
Investment Rating
--
Address
175 South Washington Street
Tiffin, OH 44883
Tiffin, OH 44883
Phone Number
(419) 448-9740
Year Founded
1873
FDIC Number
Website
Largest Affiliates
No affiliate information available.