The St. Henry Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.6. Operating profits as a percentage of assets at 2.7%, coupled with a return on assets of 2.7 has resulted in Excellent (9.9) profitability.
Other Rating Factors:
A current level of 0.4 percent of nonperforming loans to core capital combined with 5.9 percent from a year earlier contributes to the Excellent asset quality (9.1). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Securities (30%), home mtgs (13%), comm re (12%), cash (8%), comm loans (5%), home eq lns (1%), consumer loans (0%), other (30%)
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
The St Henry Bancorp Inc
Investment Rating
--
Address
231 East Main Street
Saint Henry, OH 45883
Saint Henry, OH 45883
Phone Number
(419) 678-2358
Year Founded
1905
FDIC Number
Website
Largest Affiliates
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