Major 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 (4.3 on a scale of 0 to 10). A current level of 7.4 percent of nonperforming loans to core capital combined with 5.1 percent from a year earlier contributes to the Good asset quality (6.0).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.8 and a capital leverage ratio of 11.1. Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 2.3 has resulted in Excellent (9.6) profitability.
Asset Mix:
Home mtgs (28%), comm re (17%), comm loans (16%), cash (13%), securities (8%), consumer loans (2%), home eq lns (2%), other (14%)
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
Goodfield Financial Corporation
Investment Rating
--
Address
201 South Eureka Street
Goodfield, IL 61742
Goodfield, IL 61742
Phone Number
(309) 965-2221
Year Founded
1914
FDIC Number
Largest Affiliates
No affiliate information available.