Major Rating Factors:
Excellent current capitalization (7.7 on a scale of 0 to 10) based on a risk-based capital ratio of 15.2 and a capital leverage ratio of 9.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Excellent (7.2) profitability. A current level of 6.3 percent of nonperforming loans to core capital combined with 6.0 percent from a year earlier contributes to the Fair asset quality (4.9).
Asset Mix:
Securities (26%), comm re (15%), comm loans (13%), cash (5%), consumer loans (4%), home mtgs (3%), other (34%)
States with Branches:
IL, IN
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
First Eldorado Bancshares, Inc.
Investment Rating
--
Address
1200 US Highway 45, North
Eldorado, IL 62930
Eldorado, IL 62930
Phone Number
(618) 273-2271
Year Founded
1906
FDIC Number
Website
Largest Affiliates
No affiliate information available.