Major Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) and a capital leverage ratio of 10.1. A current level of 1.5 percent of nonperforming loans to core capital combined with 8.0 percent from a year earlier contributes to the Good asset quality (6.3).
Other 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 (4.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Fair (3.9) profitability.
Asset Mix:
Securities (24%), comm loans (17%), comm re (13%), home mtgs (7%), cash (6%), consumer loans (5%), home eq lns (1%), other (26%)
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
Bement Bancshares, Inc.
Investment Rating
--
Address
180 East Bodman Street
Bement, IL 61813
Bement, IL 61813
Phone Number
(217) 678-2311
Year Founded
1914
FDIC Number
Website
Largest Affiliates
No affiliate information available.