The North Side Bank and Trust Company
Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Fair (4.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 13.5 and a capital leverage ratio of 11.4. A current level of 0.8 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (8.6).
Asset Mix:
Comm re (23%), securities (20%), comm loans (13%), home mtgs (11%), cash (11%), home eq lns (10%), consumer loans (2%), other (10%)
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
4125 Hamilton Avenue
Cincinnati, OH 45223
Cincinnati, OH 45223
Phone Number
(513) 542-7800
Year Founded
1891
FDIC Number
Website
Largest Affiliates
No affiliate information available.