Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 11.4 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Fair asset quality (4.7). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.5 has resulted in Fair (3.9) profitability.
Asset Mix:
Home mtgs (21%), comm re (19%), cash (17%), home eq lns (13%), securities (6%), comm loans (3%), consumer loans (0%), other (21%)
States with Branches:
FL, 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
Waterman Acquisition Group, LLC
Investment Rating
--
Address
248 West Lincoln Highway
Waterman, IL 60556
Waterman, IL 60556
Phone Number
(815) 264-3201
Year Founded
1891
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.