Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 19.1 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Fair asset quality (4.9). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.6 has resulted in Fair (3.5) profitability.
Asset Mix:
Securities (30%), comm re (16%), home mtgs (6%), comm loans (5%), cash (2%), consumer loans (1%), other (40%)
States with Branches:
IL
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
Graymont Bancorp, Inc.
Investment Rating
--
Address
204 Main Street
Graymont, IL 61743
Graymont, IL 61743
Phone Number
(815) 743-5951
Year Founded
1913
FDIC Number
Website
Largest Affiliates
No affiliate information available.