| Weiss Ratings |
The Gifford State Bank
Gifford, IL |
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| Rating | ||||
| Asset Quality Index | 8.50 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 1.00 | |||
| Profitability Index | 9.60 | |||
| Stability Index | 4.30 | |||
| Company Info |
The Gifford State Bank
Gifford, IL |
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| FDIC Number | 10467 | |||
| Phone Number | (217) 568-7311 | |||
| Website | www.giffordbank.com | |||
| Asset Quality |
The Gifford State Bank
Gifford, IL |
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| 1-Year Asset Growth | 4.08% | |||
| 5-Year Asset Growth | 4.21% | |||
| 5-Year Charge-Offs to Average Loans | 0.25% | |||
| Charge-Offs to Average Loans | -0.24% | |||
| Non-Performing Assets to Assets | 0.01% | |||
| Non-Performing Loans to Capital | 0.93% | |||
| Non-Performing Loans to Loans | 0.02% | |||
| Balance Sheet |
The Gifford State Bank
Gifford, IL |
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| Total Assets | 193.31M | |||
| Total Deposits | 166.23M | |||
| Capital and Reserves |
The Gifford State Bank
Gifford, IL |
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| Capital | 25.16M | |||
| Leverage Ratio | 13.28 | |||
| Loan Loss Reserves to Loans | 1.46% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
The Gifford State Bank
Gifford, IL |
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| Hot Money Ratio | 13.95% | |||
| Liquidity Ratio | 26.20% | |||
| Profitability |
The Gifford State Bank
Gifford, IL |
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| 5-Year Return on Average Assets | 1.24% | |||
| Net Income | 3.61M | |||
| Net Interest Spread | 4.87% | |||
| Operating Profit to Average Assets | 2.50% | |||
| Overhead Efficiency Ratio | 51.29% | |||
| Return on Assets | 2.50% | |||
| Return on Equity | 20.06% | |||