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 (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.2 has resulted in Weak (2.5) profitability.
Other Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) based on a net capital to total assets of 10.8 and a net worth ratio of 10.9. A current level of 2.9 percent of nonperforming loans to core capital combined with 2.9 percent from a year earlier contributes to the Excellent asset quality (8.2).
Asset Mix:
Consumer loans (26%), securities (16%), home mtgs (8%), other (50%)
Corporate Info
4140 West Laskey Road
Toledo, OH 43623
Toledo, OH 43623
(419) 407-4140
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Toledo, OH
Toledo, OH
Toledo, OH
Toledo, OH
Toledo, OH