Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.8) profitability. A current level of 10.9 percent of nonperforming loans to core capital combined with 11.8 percent from a year earlier contributes to the Fair asset quality (4.5).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Asset Mix:
Home mtgs (25%), securities (21%), comm loans (12%), consumer loans (6%), cash (3%), comm re (1%), other (33%)
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
Raritan State Bancorp, Inc.
Investment Rating
--
Address
106 East Main Street
Raritan, IL 61471
Raritan, IL 61471
Phone Number
(309) 746-6200
Year Founded
1920
FDIC Number
Website
Largest Affiliates
No affiliate information available.