People Culture Future

Analytics and technology implemented with a personal touch allows us to provide the financial stability and peace of mind that our customers deserve.

  • For the Year
  • Gross Revenue $74,284
  • Operating Income* 16,360
  • Net Income (after tax) 16,360
  • Return on Average Equity* 8.52%
  • Return on Average Assets* 0.90%
  • Net Interest Margin 3.33%
  • Net Charge-offs to Avg Loans 0.03%
  • Year End
  • Total Admitted Assets $1,896,862
  • Loans 1,525,598
  • Investment Securities 198,135
  • Deposits 1,556,428
  • Shareholders' Equity 200,441
  • Equity to Assets Ratio* 10.6%
  • Asset Growth Rate* 23.1%
  • dollars in thousands / unaudited
2020 Financials
  • For the Year
  • Gross Revenue $71,549
  • Operating Income* 14,349
  • Net Income (after tax) 14,349
  • Return on Average Equity* 8.24%
  • Return on Average Assets* 0.92%
  • Net Interest Margin 3.29%
  • Net Charge-offs to Avg Loans 0.08%
  • Year End
  • Total Admitted Assets $1,541,463
  • Loans 1,247,636
  • Investment Securities 146,364
  • Deposits 1,216,217
  • Shareholders' Equity 181,934
  • Equity to Assets Ratio* 11.8%
  • Asset Growth Rate* 3.0%
  • dollars in thousands / unaudited
2019 Financials
  • For the Year
  • Gross Revenue $64,253
  • Operating Income* 14,121
  • Net Income (after tax) 12,829
  • Return on Average Equity* 8.88%
  • Return on Average Assets* 0.97%
  • Net Interest Margin 3.47%
  • Net Charge-offs to Avg Loans 0.05%
  • Year End
  • Total Admitted Assets $1,496,419
  • Loans 1,213,720
  • Investment Securities 163,407
  • Deposits 1,110,155
  • Shareholders' Equity 164,857
  • Equity to Assets Ratio* 11.0%
  • Asset Growth Rate* 4.0%
  • dollars in thousands / unaudited
2018 Financials
  • For the Year
  • Gross Revenue $58,970
  • Operating Income* 12,319
  • Net Income (after tax) 12,319
  • Return on Average Equity* 8.43%
  • Return on Average Assets* 0.90%
  • Net Interest Margin 3.54%
  • Net Charge-offs to Avg Loans 0.02%
  • Year End
  • Total Admitted Assets $1,439,589
  • Loans 1,131,086
  • Investment Securities 197,306
  • Deposits 1,014,558
  • Shareholders' Equity 153,429
  • Equity to Assets Ratio* 10.7%
  • Asset Growth Rate* 11.3%
  • dollars in thousands / unaudited
2017 Financials
  • For the Year
  • Gross Revenue $50,467
  • Operating Income* 9,003
  • Net Income (after tax) 8,692
  • Return on Average Equity* 6.77%
  • Return on Average Assets* 0.73%
  • Net Interest Margin 3.47%
  • Net Charge-offs to Avg Loans 0.10%
  • Year End
  • Total Admitted Assets $1,293,851
  • Loans 1,020,779
  • Investment Securities 170,606
  • Deposits 979,560
  • Shareholders' Equity 136,731
  • Equity to Assets Ratio* 10.6%
  • Asset Growth Rate 13.2%
  • dollars in thousands / unaudited
2016 Financials

Prepared in accordance with U.S. GAAP.
* Results based on non-U.S. GAAP basis with the primary difference being
operating income excludes nonrecurring, one-time, non-operational changes.

contact us

800.243.0210
One Park Circle
P.O.Box 5001
Westfield Center, OH 44251

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